Finance question
Can I finance delivery, installation and fit-out costs?
Yes, in most cases. Equipment finance can cover the all-in cost of getting an asset working, not just the sticker price. Delivery, freight, installation, commissioning and fit-out can often be rolled into one facility, subject to lender assessment.
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The short answer
Finance the working asset, not just the box
An asset rarely turns up ready to earn. There is freight to pay, installation to book, commissioning to sign off and often a fit-out around it. Equipment finance can usually wrap those costs into the one facility, so you are funding the working asset rather than only the purchase price.
This matters most on kit that cannot run the day it lands. A commercial kitchen, a workshop, a clinic fit-out or a production line all carry real setup costs. Rolling them into the finance keeps your cash free and gives you a single repayment against the whole project, up to $500,000.
The mix a lender will fund depends on the deal. Hard assets and clearly attached fit-out costs are the easiest to include, while soft costs with no resale value are harder and vary by lender. A broker structures the request so the all-in figure is presented properly, itemised against the quote, and placed with a lender comfortable funding the full scope.
Do you qualify?
What makes an all-in deal fundable.
A core asset
A machine, vehicle or fit-out the finance is secured against.
An active ABN
Sole traders and companies both qualify.
Setup costs on the quote
Delivery, install and fit-out itemised by the supplier.
A clear total
One all-in figure is easier to fund than scattered invoices.
Why an all-in facility works better
One repayment
The whole project sits under a single, predictable payment.
Cash stays put
You keep working capital instead of paying setup out of pocket.
Funded to running
You finance the asset to the point it actually earns, not before.
A real example
A cafe owner buys a $90,000 kitchen line. Freight, install and a small bench fit-out add about $18,000. Rather than fund the gear and pay setup in cash, the all-in $108,000 is placed with one lender on a single facility, so the kitchen opens and earns from day one. Illustrative only.
Common questions
Frequently asked questions
Can delivery and freight be included?
Often yes. When itemised on the supplier quote, transport and delivery can usually be funded within the same facility.
Does a fit-out count as equipment?
Fit-out attached to the asset can often be funded. The mix a lender will include depends on the deal and how it is structured.
Is the all-in cost capped at $500,000?
Equipment finance runs up to $500,000. The all-in total, including setup, sits within that limit, subject to lender assessment.
Do I need to pay setup costs upfront?
Not usually. The point of an all-in facility is to fund the asset to working order without draining your cash.