The right equipment can open the door to bigger opportunities for your business. Maybe it’s an excavator you need
for the next major job, a truck that’s ready to be replaced, or a quality used asset that’s come onto the market at just
the right time.
Paying for equipment upfront isn’t your only option. Equipment finance can help you secure the assets your business
needs while spreading the cost over time and protecting your cash flow.
But getting approved is only part of the equation. The equipment you choose matters – and so does the way your
finance is structured. The right finance solution should work with your business, your cash flow and where you want
to go next.

1. Keep Your Cash Where You Need It

Equipment finance allows you to spread the cost over time, helping you preserve working capital while still getting
the equipment you need to keep moving forward.
Instead of putting a large amount of cash into one asset, you can keep more funds available for the parts of your
business that need them most. It’s about balancing the equipment you need today with the flexibility to keep
investing in what comes next.

2. Move When The Timing Is Right

New contract, unexpected breakdown, a used excavator that won’t be on the market next week – equipment needs
rarely wait for a convenient moment. Knowing your finance options before you need them means you can act fast
when it counts.

3. New Or Used – Both Can Be Financed

The right asset doesn’t have to come from a showroom. Used equipment can be financed too, though age, working
life and lender requirements come into play. Knowing the asset is half of knowing how to finance it.

4. No Two Finance Structures Are The Same

Take a chattel mortgage, for example – one of the more common ways businesses finance equipment. You own the
asset from day one, while the finance can be structured with repayments and a balloon payment that suit your
business and cash flow. There can also be benefits from a tax perspective, depending on your circumstances –
something your accountant can advise you on.
A chattel mortgage might suit a truck that’s earning from day one, while a piece of earthmoving equipment with a
different working life or usage pattern may call for a different structure altogether.

5. Work With People Who Know Equipment

At Centrepoint Finance, equipment finance is what we do – trucks, excavators, earthmoving gear, farm machinery,
specialist business assets. We get to know the asset, the purchase and your business before we talk finance options.

Ready To Move On That Equipment?

Let’s talk finance. Centrepoint Finance can help you explore equipment finance options for new and used business
assets.