Asset Finance

Equipment Finance

The right equipment finance structure can save you thousands in tax. As a CPA, we don\'t just find the cheapest rate — we find the structure that minimises your total after-tax cost.

Chattel Mortgage

You own the asset from day one. Claim GST upfront, depreciate the asset, claim interest. Best for GST-registered businesses.

Best for: ABN holders

Hire Purchase

Hire with an option to purchase. Similar tax benefits to chattel mortgage. Good for businesses wanting ownership without large upfront cost.

Best for: Ownership path

Finance Lease

Lease the equipment with a residual value. Payments are fully tax-deductible operating expenses. You don't own the asset.

Best for: Off balance sheet

Operating Lease

True rental — return the asset at end of term. Full tax deduction on payments. Best for equipment that depreciates quickly.

Best for: Tech/vehicles

CPA Tax-Aware Equipment Structuring

Instant asset write-off eligibility assessment (currently $20,000 for small business)
GST recovery analysis — chattel mortgage vs lease implications
Depreciation schedule optimisation aligned with your tax position
Balloon/residual structuring to match cash flow needs
Comparison of total after-tax cost across all structure types
Integration with broader business tax planning

Need Equipment Finance?

We\'ll find the right structure to minimise your total after-tax cost.

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