Equipment Finance Calculator Australia
Estimate repayments for vehicles, machinery and equipment in under 60 seconds.
Adjust purchase price, deposit, balloon payment and loan term to see how repayments change.
No credit check • No obligation • Instant estimate
Estimate Your Equipment Finance Repayments Instantly
Use the DeMarque Finance equipment finance calculator to estimate repayments based on your asset price, deposit, balloon payment and loan term.
This tool helps Australian businesses quickly understand what their repayments may look like before speaking with a broker or submitting a finance application.
Step 1 – Estimate your repayments | Step 2 – Get Your Finance Quote
$0
per monthTotal Interest $0
Total Amount Repaid to Lender $0
Total Cost to Borrower $0
What Can Equipment Finance Be Used For?
Equipment finance can be used to purchase a wide range of income-producing business assets.
Many Australian businesses use equipment finance to acquire vehicles, machinery and specialist equipment without paying the full purchase price upfront. Examples include:
Cars and Utes
Hospitality and Fit-Out Equipment
Vans and Trucks
Excavators and Earthmoving Equipment
Tools and Workshop Equipment
Technology and Office Equipment
Solar and Electrical Equipment
Trailers and Transport Equipment
Medical and Dental Equipment
Why Use an Equipment Finance Calculator
Before applying for finance, most business owners want to understand one thing first — what the repayments might look like.
An equipment finance calculator allows you to quickly test different purchase prices, deposits, balloon payments and loan terms to see how they may affect your cash flow. This helps you:
Estimate likely repayment ranges
Compare different deposit options
Test different loan terms
Understand how balloon payments affect repayments
Plan your business cash flow before applying for finance.
It’s a simple way to explore your options before speaking with a finance broker.
How Equipment Finance Works in Australia
Equipment finance allows businesses to acquire vehicles, machinery or equipment while spreading the cost over time.
Typical steps include:
Step 1: Choose The Equipment
Your business selects the vehicle, machinery or equipment it wishes to purchase.
Step 2: Estimate Repayments
Use the equipment finance calculator to estimate potential repayments.
Step 3: Structure the finance
A broker helps structure the loan including deposit, term and balloon payment.
Step 4: Submit application
The lender assesses the business and the asset being financed.
Step 5: Settlement
Once approved, the lender pays the supplier and the business begins repayments.
Common Equipment Finance Structures
The right structure depends on your business, tax position and the asset being financed.
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Chattel Mortgage
A common structure where the business owns the asset from day one while the lender holds it as security.
Finance Lease
The lender owns the asset while the business pays to use it over the lease term.
Commercial Hire Purchase
The business pays for the equipment in instalments and takes ownership once the final payment is made.
Equipment Loan
A loan used to purchase business equipment, with the asset typically used as security.
Why Businesses Use Equipment Finance
Preserve working capital
Spread the cost of equipment over time rather than paying the full purchase price upfront.
Flexible loan structures
Deposits, loan terms and balloon payments can often be tailored to suit the business.
Improve cash flow management
Repayments can often be structured to match the business’s cash flow cycle.
Potential tax advantages
Depending on the structure, businesses may be able to claim deductions or depreciation.
Access better equipment sooner
Upgrade vehicles or machinery without waiting to accumulate the full purchase price.
Maintain borrowing capacity
Financing equipment separately can help preserve existing bank facilities and working capital lines for other business needs.
Trusted by Australian Businesses
Recent Equipment Finance Examples
A snapshot of business asset finance solutions we regularly arrange for Australian SMEs.
$185,000 JCB Excavator
Asset: 20T Excavator
Structure: Chattel Mortgage
Term: 5 Years
$48,000 Commercial Kitchen Fit-Out
Asset: Commercial Kitchen Equipment
Structure: Equipment Loan
Term: 4 Years
$72,000 IT & Office Equipment
Asset: Servers & Workstations
Structure: Equipment Finance
Term: 3 Years
Get a personalised finance quote in under 60 seconds.
Why Businesses Use DeMarque Finance?
DeMarque Finance helps Australian businesses secure equipment and asset finance from a range of bank and non-bank lenders.
Working with DeMarque Finance may provide access to:
Access to major banks and specialist lenders
Support through the application process.
Flexible loan structures.
Broker support from enquiry through to settlement.
Guidance on deposits and balloon payments.
Low-doc, alt-doc and full-doc lending available depending on your business profile.
Ready for Your Equipment Finance Quote?
The calculator provides an estimate.
The next step is receiving a tailored quote based on your business, the asset you’re purchasing and available lender options.
Takes only a few minutes. No obligation.
Equipment Finance Calculator FAQs
Find answers to common questions about equipment finance, loan structures, repayments, and how to use the calculator.
How accurate is the calculator?
The calculator provides an indicative repayment estimate only. Final repayments depend on lender pricing, fees, asset type and the borrower’s financial profile.
Does using the calculator affect my credit score?
No. Using the calculator does not involve a credit enquiry and has no impact on your credit file.
Can I include a balloon payment?
Yes. The calculator allows you to test different balloon or residual payment options.
What interest rate should I use in the calculator?
Interest rates vary depending on lender policy, borrower profile and asset type. The calculator allows you to test different rate scenarios.
Can startups get equipment finance?
Some lenders will consider newer businesses, although eligibility varies depending on the asset, deposit and borrower profile.
Can used equipment be financed?
Yes. Many lenders will finance used vehicles, machinery and equipment depending on the asset age and condition.
What documents are usually required?
Typical requirements may include identification, business financials or bank statements, and details of the asset being purchased.