Vehicles, equipment, machinery, medical fit-outs — the right asset finance structure means cash flow works for you, not against you.
Get StartedWhatever your business needs to grow, we'll find the right finance structure to get it done.
Passenger vehicles, utes, vans, and light commercial vehicles up to 3.5 tonnes. Personal or business use.
Trucks, prime movers, trailers, buses. Fleet or single unit — new or used.
Excavators, loaders, bobcats, cranes, graders. Heavy machinery specialists on our panel.
Tractors, harvesters, headers, irrigation equipment. We know rural lending inside out.
Chairs, imaging machines, practice fit-outs. Specialist lenders who understand healthcare assets.
IT infrastructure, phone systems, office fit-outs, manufacturing equipment, hospitality gear.
Different structures have different tax, GST, depreciation, and balance sheet implications. We match the structure to your situation.
You own the asset from day one. The lender takes a mortgage over the equipment as security. If you're GST registered, claim the GST credit upfront on your next BAS.
The lender buys the asset and hires it to you. You make regular payments and take ownership once the final payment or residual is made.
The lender owns the asset and leases it to you. Fixed monthly payments. At the end, purchase it for the residual value, return it, or refinance.
Lower upfront costs with ownership at the end of the rental term. Suits businesses that want minimal initial financial commitment.
What you're buying, what it costs, and how you want to use it.
We recommend the best finance structure for your tax and cash flow situation.
Fast approval from specialist equipment lenders. Some deals settle in 24–48 hours.
Funds released. Asset is yours. Back to business.
Can't provide full financials? We have lenders who work with limited documentation.
Newer business? Some lenders will assess on ABN alone — no lengthy trading history needed.
Chattel mortgage available if the vehicle qualifies for 51%+ business use.
Assets under $20K may qualify for immediate deduction. We'll handle the finance side.
Tell us what you're buying. We'll tell you the best way to finance it. 30 minutes. No obligation.
Book Free Strategy Call ➜Or email info@xcelcorp.com.au · Call 1300 080 180
