Finance question

Can I finance the GST on equipment too?

Yes. Equipment finance can usually cover the GST-inclusive price, so you borrow the full amount on the invoice rather than finding the GST in cash. Many businesses then claim the GST back on their next BAS while the finance keeps running.

GST-inclusive price Preserve cashflow 40+ lenders

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Reviewed by a Ventas partner

Caleb MorehuCo-founder, Ventas Asset Lending

Caleb structures asset and property-backed finance deals and negotiates directly with lenders, alongside co-founder Sultan Kirby.

Ventas Asset Lending Pty Ltd (ABN 13 683 957 404) operates as a finance broker.

The short answer

Finance the whole invoice, not just the base

The sticker price on business equipment usually includes GST, and that GST can be a real chunk of cash. Equipment finance is generally written on the GST-inclusive amount, so the loan covers the full figure on the invoice and you are not scrambling to fund the tax portion out of pocket.

For many businesses, the timing works nicely. If you are registered for GST, you can often claim the GST credit back on your next activity statement, while the finance is repaid over the term. That means the cash you would have tied up in GST stays in the business in the meantime.

This is general information, not tax advice. How and when you claim GST depends on your registration and your accounting method, whether you report on a cash or accruals basis, and the period your BAS falls in, so it is worth a quick word with your accountant. What we handle is the finance side, structuring the deal across 40+ lenders so the full invoice is covered cleanly and the asset does the securing.

Do you qualify?

What a GST-inclusive deal usually needs.

A tax invoice

The supplier invoice showing the GST-inclusive price.

The asset

A vehicle or machine that secures the finance.

Up to $500k

Equipment finance runs to $500,000 on low-doc terms.

GST registration

If registered, you can often claim the GST back on your BAS.

Why financing the GST helps

Cash stays put

You keep working capital instead of paying the GST upfront.

One clean facility

The full invoice sits in a single finance agreement.

Claim while it runs

Registered businesses can often claim the GST credit on the next BAS.

A real example

A landscaper buys a machine invoiced at $44,000 including GST. Rather than fund the GST portion in cash, the finance is written on the full $44,000. Being GST registered, the business claims the credit on its next BAS while repayments continue. Illustrative only. Confirm your position with your accountant.

Get my situation assessed

Common questions

Frequently asked questions

Can the finance cover the GST portion?

Usually yes. Equipment finance is generally written on the GST-inclusive invoice, so the full amount is covered.

Can I still claim the GST back?

If you are registered for GST, you can often claim the credit on your next BAS. Check the timing and method with your accountant.

Does financing the GST cost more?

You are borrowing a larger amount, so repayments reflect the full invoice rather than just the base price. Many businesses accept that trade to keep working capital in the business, especially where they expect to claim the GST credit back soon after.

Is this tax advice?

No. This is general information about the finance. Your accountant can confirm how GST applies to your situation.