Finance question
Can I finance EV chargers?
Yes. EV charging equipment, from workplace AC wall units to DC fast chargers, is financeable business equipment secured by the hardware. It funds up to $500,000 across 40+ lenders, and the install and civil works can often ride inside the same facility.
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The short answer
Charging infrastructure is a fundable asset
An EV charger is fixed business equipment, so it finances like any machine. A depot electrifying its fleet, a service station or shopping centre adding public bays, or a hotel installing guest chargers all buy hardware that holds value and stays in the business. That makes the charging units security and puts the deal squarely inside equipment finance.
The spread is wide. A few AC wall units for a workplace car park might sit in the low tens of thousands, while a bank of DC fast chargers with the switchboard upgrade, trenching and civil works behind them can run into the hundreds of thousands. Equipment finance to $500,000 covers most single-site installs without straining the ceiling.
A charger install is rarely just the hardware. The transformer or switchboard upgrade, cabling, trenching and commissioning often cost as much as the units themselves. Many lenders let those soft and civil costs sit inside the same facility, so you finance the working charge point, not just the box on the wall.
Do you qualify?
What makes a charger deal fundable.
Charging hardware
AC wall units or DC fast chargers as the security.
An active ABN
Companies, fleets and sole traders all qualify.
The install quote
Civil and switchboard works can often be bundled in.
Up to $500K
Covers most single-site charging fit-outs.
Why financing chargers makes sense
Fund the whole install
Hardware plus civil and switchboard works can sit in one facility.
The units are security
Fixed charging equipment holds value, so lenders can secure the deal.
Spread a big spend
A site upgrade becomes a monthly cost rather than a lump sum.
A real example
A courier depot electrifying its vans installs six AC chargers plus a switchboard upgrade and trenching, quoted at $74,000, of which nearly half is civil works. Funded on one equipment facility secured by the hardware, with the install costs bundled in. Illustrative only.
Common questions
Frequently asked questions
Can the installation and civil works be financed, not just the chargers?
Often yes. Many lenders let switchboard upgrades, trenching, cabling and commissioning sit inside the facility alongside the charging hardware.
Does it matter if the chargers are AC or DC fast chargers?
Both are financeable. DC fast chargers cost more and often carry heavier civil works, so the facility is simply sized to the full project.
Can public or fleet charging both be funded?
Yes. Whether the chargers are for your own fleet, staff, or paying public use, the hardware still secures the deal.
Do I need financials to fund a charger install?
Not always. Smaller installs can settle low-doc on an ABN and a clean record; larger projects may need more, subject to lender assessment.