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bodycoatfarmequipment

0420 127 534 info@bodycoatfarmequipment.com.au 14 Carrington Road, Toowoomba QLD 4350
ABN 57 006 198 125 Order Tracking My Account
Finance Options | Bodycoat Farm Equipment
Flexible Payment Solutions

Finance Options

Equipment investment shouldn't strain your cash flow. We offer flexible finance, lease, and payment plan options tailored to contractors, farmers, and fleet operators in Queensland.

Your Options

Finance Plans to Fit Your Business

Hire Purchase

Own equipment with flexible monthly payments

Pay in monthly instalments over 2–5 years
Own the equipment outright at the end of the term
Maintenance plans available
Tax deductible payments
Flexible deposit options (0–20%)

Seasonal Payment Plan

Align payments with your business cash flow

Deferred payments during low-season months
Increased payments during peak revenue periods
12–24 month terms available
Perfect for harvest or seasonal work
Minimal paperwork and fast approval

Why Choose Equipment Finance?

Purchasing equipment outright ties up significant capital. Our finance solutions preserve your cash flow while getting you the tools you need to grow.

  • Preserve working capital for operations and emergencies
  • Spread costs across equipment lifespan
  • Receive tax benefits on lease or finance payments
  • Upgrade to latest models more frequently
  • Predictable monthly budgeting
  • Access equipment you might not otherwise afford
FINANCE

Simple & Fast

How to Apply

1
Choose Your Equipment
Select the Bodycoat equipment and finance option that suits your needs.
2
Get a Quote
We provide a transparent, no-obligation finance quote with all terms and conditions.
3
Submit Application
Provide business details, ABN, and financial information. Takes 10 minutes online.
4
Fast Approval
Most applications approved within 1–2 business days. We'll contact you with the outcome.
5
Sign & Receive
Complete final paperwork and take delivery of your equipment.
6
Simple Repayment
Make regular payments via bank transfer, card, or direct debit. Easy and transparent.

What We Need

Finance Application Requirements

Typical Requirements

Finance eligibility varies, but generally we assess your business structure, credit history, and revenue. We work with businesses of all sizes, from sole traders to large contractors. Most finance companies require ABN, financial statements, and bank details. We're flexible and transparent about what we can approve.

Information Why We Need It Format
Business ABN Verification of business registration and tax compliance ABN (11 digits)
Last 2 Years Tax Returns Assessment of business income and financial stability PDF or printed copies
Bank Statements Verification of business cash flow Last 3 months, PDF
Business Details Confirmation of business type and structure Sole trader, partnership, or company info
Director/Owner ID Compliance and identity verification Drivers licence or passport
Equipment Details Valuation and finance structure Item description, price, usage intent

We work with qualified finance brokers and lenders to provide competitive rates and terms. Not all applications will be approved. Approval is subject to credit assessment and lending policies.


Questions

Frequently Asked Questions

What interest rates do you offer?
Interest rates vary based on loan amount, term length, business credit profile, and current market conditions. We work with multiple lenders to find competitive rates. Typical rates range from 8–14% per annum, but your rate will depend on your specific situation. We provide a detailed quote before you commit.
Can I pay off my finance early?
Yes. Most finance agreements allow early repayment. Some lenders may charge an early termination fee, but we'll disclose this in your agreement. Early repayment can save you interest over the life of the loan. Contact us to discuss your options.
What happens if I sell the equipment before the finance is paid off?
If the equipment is security for the loan, you typically cannot sell it until the finance is repaid. However, you can refinance or pay off the loan using the sale proceeds. Speak with us about your situation and we can discuss available options.
Do you finance used equipment?
We primarily finance new Bodycoat equipment. For used equipment inquiries, contact our team and we can discuss case-by-case arrangements. Approval depends on equipment age, condition, and residual value.
How long does approval take?
Most applications are assessed within 1–2 business days. Simple, straightforward applications may be approved within hours. Larger applications or those requiring additional documentation may take 3–5 business days. We'll keep you updated throughout the process.
Is there a deposit required?
Deposit requirements vary. Some finance options offer 0% deposit, while others may require 10–20%. A larger deposit typically results in lower monthly payments and better interest rates. We'll work with you to find an arrangement that suits your cash flow.
Can sole traders or startups apply?
Yes. Sole traders are welcome to apply. For startups (less than 12 months operation), approval may require additional documentation such as personal guarantees or larger deposits. We assess each application individually and work with you to find solutions.
What is the maximum loan amount?
There is no set maximum. We can finance equipment from a few thousand dollars to six figures. Larger loans may require additional assessment. Contact us with your equipment value and we'll provide a tailored proposal.
Are finance payments tax deductible?
For tax purposes, lease payments are generally deductible as a business expense. For hire purchase, the depreciation and interest components may be deductible. Consult your accountant or tax advisor for your specific situation, as tax treatment depends on your business structure and circumstances.
Can I refinance if circumstances change?
Refinancing options depend on your lender and loan terms. Some agreements allow refinancing, while others may have restrictions. If your circumstances change, contact us and we can explore available options, including loan restructuring or switching providers.
Ready to Get Started?

Let's find a finance solution that works for your business.