Capital Equipment Finance

Specialised Asset Finance Review

Capital equipment finance to purchase specialised assets such as heavy machinery & trucks, upgrade computer centres, aged care facililties, hotel & leisure, construction & infrastructure, agriculture and food processing equipment.

Clear ATO DEBT by leveraging against your unemcumbered assets for equity cash release to fast-track growth, or take on new business opportunities.

Secure non-bank structured asset finance to preserve cash-flow

Take advantage of FYE taxation deductions

Capital raise using unemcumbered assets to clear ATO debt

Leverage assets to fund new business opportunities

Specialised Asset Finance Eligibility

Step 1
Step 1

Types of Capital Equipment Finance

  • All medical equipment, private clinics
  • Excavators, graders, bull dozers
  • Tractors and agricultural machinery
  • Aged Care, hospitals, childcare
  • Trucks, trailers, and fleet vehicles
  • Cranes, compactors and backhoes
  • Mining trucks, loaders and power lift equipment
  • Computer Hardware and Data Centres
  • Marine and Aircraft
  • Hotel, leisure and Hospitality equipment
START FUNDING QUOTE
Step 2
Step 2

Ready to Purchase Specialised Assets?

  • Non-bank pre-approved funding to bid with confidence at auction
  • Fast response times (often within 3 business days)
  • Confidently bid on heavy equipment at auctions houses such as Euro Auctions, Grays, Pickles, or Slattery’s
  • Provide supplier tax invoice, purchase order or confirmed contracts
Step 3
Step 3

Capital Equipment Finance Terms

  • Business purpose only with 12-month trading ABN
  • $1M to $10M plus
  • Non-bank competitive rates for new purchases and Tier 1 borrowers
  • Terms 12 months to 5 years
  • Deposit, balloon & cash-out options
  • Self certified with Accountant letter or Full-doc with 3 years financials
  • Other securities may be required if new business or to access larger amounts
Step 4
Step 4

Capital Equipment Finance Checklist

  • Tier 1 and 2: last 2 years financials, company tax returns and interim management accounts
  • Committment schedule, current aged debtor & creditors list
  • Supplier tax invoice or purchase order
  • Inspection or valuation reports
  • Insurance for all assets
  • Registration papers
  • Rates notice & mortgage statement (if capital raise)
Types of Specialised Assets

Vehicles & Trucks

Manufacturing

Machinery

Construction

Mining Services

Earth Moving

Accrutus Capital provides structured finance and capital placement services under mandate. We do not offer indicative rates or lender comparisons at enquiry stage.

Finance leases

An Equipment Finance Lease is a rental agreement. The vehicle is owned by the finance provider or lender (the leaasor) and then leased to the user (the lessee) for a set term.

Novated leases

An Equipment Finance Novated Lease allows you to maximize salary packaging by providing a vehicle to employees. Also reduces company costs.

Hire purchase

An Equipment Finance Commercial Hire Purchase is where you hire the goods or equipment and repay over a set term. Title is transferred when the last payment is made.

Commercial loans

A commercial loan is a debt facility for business purposes. These loans are usually secured by real property or other tangible assets with resale value, can also be unsecured.

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Maximise Specialised Asset Finance

  1. Use operating and finance leases, risk management, higher leverage, balance sheets and tailored tax structures to support high value acquisitions.
  2. Access non-bank specialised lenders where the project is unique.
  3. Use structured finance such as debt & equity, revenue based finance and purpose security bonds to fund large project requirements.
  4.  Offer other credit enhancements to reduce risk and broaden lender options.
  5. Clearly outline the investment requirements and establish defined timelines for each stage for the capital equipment.
  6. Include realistic forecasts to service debt and the likely exit strategy to refinance to bank debt.
  7. Increase your short-term liquidity using structured finance for infrastructure or CapEx for unique projects and receive off-balance sheet tax advantages.
  8. Explore non-bank strategic acquisition finance to compliment senior bank debt for specialised asset purchases.
  9. Issue a bond directly to your buyer or provide a guarantee to your bank to support a bank-issued bond.
Book Specialised Asset Discussion
Capital Equipment Finance
What is the minimum loan amount?
What specialised assets can be financed?

Vehicles, plant & machinery, medical devices, IT and other production or large scale business assets may be financed or refinanced, subject to lender criteria and valuation.

How quickly can funding be arranged?

Indicative approvals in 5 to 10 days and settlement. For larger complex assets typically within 14 to 30 days once documents, valuations and cash flow verifications are complete.

Do you finance used equipment?

Yes, subject to age, condition, industry, resale value and lender policy.

What documents are required?

Recent bank statements, ID/ABN, asset quote or invoice, and basic lender verifications. Larger facilities will require full financials, valuations, company due diligence and ATO status.