Efficient & Flexible Equipment Financing Plans
Equipment Finance in Adelaide
Equipment Funding That Ends Your Cashflow Challenges
If you're an entrepreneur who owns a small or medium-sized business, accessing essential equipment shouldn’t mean draining savings. Our equipment finance services help you overcome cash flow challenges, manage costs, and secure the right tools to keep your business competitive.
Fast, Flexible, Business-Focused Equipment Finance
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Types of Equipment Finance Options
Not every business needs the same solution. That’s why we offer a range of finance options designed to fit different industries and cash flow needs.
Equipment Loan
An equipment loan is a straightforward choice. The equipment itself often secures the loan, meaning you don’t need to dip into other assets. You’ll own the item once repayments are complete.
Finance Lease
With a finance lease, you can use the equipment while making regular lease payments. At the end of the lease, you may have the option to buy the equipment outright, return it, or upgrade.
Hire Purchase
This business equipment loan option lets you spread costs over time. Once the finance agreement is paid, you own the equipment. Terms are flexible, and repayments may be tax-deductible for business purposes.
Chattel Mortgage
A chattel mortgage is another effective way to finance equipment. You own the item from day one, while the lender takes a mortgage over it until the loan is repaid. Balloon payments can reduce monthly repayments if structured correctly.
Operating Lease
For businesses that frequently upgrade assets, an operating lease works best. You avoid ownership responsibilities and simply return or upgrade the asset at the end of the term.
Whether you’re after new or used equipment, there’s a business equipment financing solution that suits your goals.
Equipment Finance
Not every business needs to own equipment outright. Our flexible Equipment Finance leasing options help you access the tools you need without large upfront costs or long-term commitments.
Leasing gives you affordable monthly payments and the freedom to return, upgrade, or purchase the equipment at the end of the term. We also offer Hire Purchase, Rental Agreements, and other custom structures to fit your business.
Key Benefits:
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Minimal upfront investment
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Flexible end-of-term options
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Easy access to the latest technology
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Off-balance sheet potential
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Tailored to your business goals
Whether you're scaling up or staying agile, our solutions keep your business moving forward with confidence.
5-Step Process
How It Works-5 Easy Steps
Submit Your Details
Start by applying online or giving us a quick call whichever suits you best
We'll Call You
A finance specialist will contact you to understand your goals and guide you forward.
Loan Assessment
We match you with the best lender for your needs.
Approval & Docs
Receive approval in 24–48 hrs and sign documents.
Funds Released
Get your equipment and power up your business.
Benefits of Equipment Finance for Adelaide Businesses
Whether you’re running a construction firm in the northern suburbs, a medical practice in the CBD, or a café in Glenelg, running a business in Adelaide doesn't come cheap. But the right business equipment finance solution can make a measurable difference.
Protect cash flow
Cash flow is the number one headache for small businesses. Nearly one in five small businesses operates without cash reserves. Instead of sinking $60k into a truck all at once, you can spread it into bite-sized repayments and still have money left to cover staff and supplies.
Flexible loan terms
You’re not locked into one mould. Loan terms can run from 12 months to 7 years. Seasonal businesses, like wineries in the Hills or growers down south, can line repayments up with their peak months, not the quiet ones.
Potential tax benefits
Right now, the ATO’s temporary full expensing rules mean you might claim an immediate deduction on eligible assets bought before 30 June 2025. For other setups, repayments on leases can sometimes be counted as business expenses. (That’s general info only, always get proper tax advice.)
Upgrade with ease
Gear gets old quickly. With a finance lease, you’re not stuck with outdated kits and machinery. At the end of the lease, plenty of Adelaide dental and physio clinics roll into new X-ray machines or treatment tables every few years without coughing up lump sums.
Predictable costs
Fixed interest rates mean your monthly repayments don’t jump around. A $50,000 loan, for example, could land around $950–$1,050 a month, depending on the rate and if you set up a balloon payment at the end.
Works across industries
From sparkies and builders needing utes and tools, to retailers upgrading POS systems, business equipment finance covers a wide mix. Even used equipment is fair game, giving smaller operators a cheaper way in without slowing down growth.
Achieve Business Growth with Smart Equipment Finance
Our equipment finance solutions are designed with your business in mind. From no-deposit options to flexible loan terms and seasonal repayments, we make acquiring essential machinery and tools simple and strategic. Enjoy transparency, expert support, and a direct path to business growth.
Maximum Flexibility, Minimal Stress
We structure loan terms around your business's cash flow and growth projections. With optional balloon payments, seasonal repayment schedules, and early payout options, you stay in control always.
No Hidden Fees or Surprises
What you see is what you get. Our team ensures complete transparency from the moment you enquire. No nasty surprises, just straightforward finance built for business.
We’re not a bank. We’re a local Adelaide-based finance company focused on helping small business owners like you. Our business lending products are designed to be fast, flexible, and competitive.
Expertise in Business Finance
We bring deep knowledge across a wide range of industries from construction and manufacturing to healthcare and technology ensuring financing solutions tailored to your business needs.
Speed Without Sacrifice
At Fintell Finance, we understand that in business, time is money. That’s why our equipment finance solutions are built to move as quickly as you do. Our streamlined application process, backed by a team of experienced finance professionals, ensures that your approval is fast, accurate, and tailored to your needs.
Here’s what makes us different:
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Quick approvals with less red tape
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Tailored solutions for industries from trades to healthcare
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Transparent interest rates and repayment structures
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Licensed under an Australian Credit Licence for your peace of mind
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Access to a wide network of lenders for better finance options
Our role is to make sure your business gets the right equipment without the stress.
Why Choose Fintell Finance?
Frequently asked questions
Let’s Get You Funded
Your business needs the right tools to grow. Whether it’s trucks, machinery, or medical gear, we’ll find the equipment finance solution that fits. Call us now on +61 422 249 815 or WhatsApp us directly.