Equipment Finance Loans: Sunshine Coast

Equipment Finance Loans, also called chattel mortgages, commercial hire purchase, or equipment leasing, let your business buy tools, machinery, vehicles, or fit-outs without draining cash flow, paying them off efficiently over time.

If you're a tradie, café owner, health professional, or any small business operator on the Sunshine Coast, needing to invest in equipment but worried about cash reserves, loan terms, or tax impacts, this guide is exactly for you.

At I Know The Broker (IKTB), we specialise in equipment finance tailored to your exact business needs. We help you navigate types of finance, lender criteria, repayment structures, and tax strategies so you can upgrade with confidence and flexibility. And the best part? You don’t pay us a cent. IKTB is paid by the lender only once your loan settles, no fees, ever.

Ready for new equipment without financial stress? Book a free consultation today and let your business breathe easier.

Equipment finance provides structured financing to acquire essential business assets without paying upfront. Common forms include:

• Chattel Mortgage: You own the asset from day one, with the lender holding security over it. Claims GST and depreciation upfront.
  
  
• Commercial Hire Purchase (CHP): You pay regular installments; ownership transfers after the final payment.
  
  
• Lease Finance / Rent-to-Buy: Pay for use, with options to return, upgrade, or buy at the end.
  
  

The equipment typically serves as collateral, so lenders see lower risk and this allows faster approvals and flexible structuring. You spread payments, preserve working capital, and take advantage of deductions under the current tax laws.

Equipment finance suits you if:

• You need to buy tools, vehicles, machinery, or IT without exhausting cash reserves.
  
  
• You prefer preserving working capital for emergencies or growth.
  
  
• You want to use tax advantages like asset write-offs and depreciation.
  
  
• Your industry—construction, hospitality, agriculture—requires up-to-date equipment.

Finance is commonly used for utes, trailers, coffee machines, IT systems, solar installations, workshop gear—and even electric vehicles.

We make the process as laid-back as a Sunday at Cotton Tree.

A café owner in Mooloolaba needed a new commercial coffee machine, fridge, kitchen fit-out, and delivery van within 3 months. Using IKTB:

1. Bundled all equipment into a single finance package.
   
   
2. Used a 4-year chattel mortgage covering $95K.
   
   
3. Structured repayments after GST refunds and aligned to revenue flow.
   
   
4. Customer saved $15K in upfront cash, claimed GST on next BAS, and upgraded supplies easily.
   
   

They say: “IKTB made equipment finance simple. They locked in great rates, handled the messy paperwork, and helped us keep working while upgrading.”

Local Sunshine Coast Expertise

We live and work here. We understand industries like construction, hospitality, medical, and trades, giving us insight into local asset needs and suppliers.

Zero Broker Fees

Our service is free to clients. We’re paid by lenders post-settlement, never by you, ensuring trustworthy, transparent advice

Access to Specialist Lenders

Not all lenders offer flexible equipment finance. We work with panel lenders experienced in chattel mortgages, CHP, and sustainable asset finance so your structure suits your strategy.

Speed & Flexibility

Many loans processed within hours or days. We bundle documents, negotiate terms, and manage repayments to suit your cash flow.

Tax & Business Strategy Support

We help structure repayments and finance options to leverage GST, depreciation, and tax deductions effectively

Long-Term Partnership

Post-settlement support includes refinancing when needed, renewals, and future equipment upgrade planning

• Taking on a large job, and you need machinery quickly.
  
  
• Want to upgrade fleet or invest in green/electric equipment.
  
  
• Need to preserve cash during lean months or business expansion.
  
  
• Looking to claim GST and depreciation strategically.
  
  

If you're at a growth point—like purchasing a van for your new territory or updating kitchen gear before summer rush—equipment finance with IKTB helps you act now.

Whether you're expanding your workshop in Maroochydore or upgrading tools in Noosa, I Know The Broker makes it easier to access the right equipment finance to keep your business moving. Our Sunshine Coast business lending brokers are experienced in tailoring equipment loans for tradies, construction companies, and health professionals alike. You can drop into our Mooloolaba mortgage office, chat with a finance expert in Caloundra, or book time with a Noosa commercial loan broker to explore options for new or second-hand machinery. Our Buderim loan specialists also support equipment financing for agriculture, medical and fitness industries. If your business needs upgraded gear or a better way to fund it, we're your go-to team on the coast.

Equipment finance on the Sunshine Coast should be fast, flexible, and totally aligned with your business cash flow. At IKTB, we bring you unmatched local expertise, tax-aware structuring, and unwavering support without any fees.

Book your free equipment finance strategy call today, and let us help you secure the gear you need and grow your business with ease.

Make a booking today and get the equipment that keeps your business moving forward.