Get an instant estimate for utes, trucks, vans, excavators, and business equipment. No sign-up needed.
Adjust the sliders to match the asset you want to finance. The calculator updates instantly to show your estimated repayments on a weekly, fortnightly, or monthly basis.
A balloon (or residual) payment is a lump sum due at the end of your finance term. Setting a higher balloon reduces your regular repayments, but you will need to pay the lump sum, refinance it, or return the asset at the end of the term. Many plumbing, construction, and transport businesses use balloons to keep weekly repayments low and match cash flow.
The rate you receive depends on your credit profile, business trading history, asset type and age, deposit amount, and the finance structure (chattel mortgage, finance lease, or hire purchase). A broker can match you with the best option across multiple lenders.
Chattel mortgage, finance lease, and hire purchase each have different ownership and tax implications. Which one suits your plumbing, construction, or transport business depends on your GST registration, how you use the asset, and your accountant's advice on the best structure for your situation.
Ready to get a real quote? This calculator gives you an estimate. To get actual rates based on your business and the specific asset you want, speak to a broker.
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