Asset Finance Solutions for Tradies: Utes, Tools & Trailers

2 Feb

For tradies across Australia, having the right equipment isn’t just convenient — it’s critical. Whether you’re a sparky, chippy, plumber or landscaper, your ute, tools, and trailer are your mobile workshop and livelihood. But buying them outright can seriously affect your cash flow.

That’s where asset finance comes in. It lets you get the equipment you need now, while paying it off in a way that suits your budget.

Why Asset Finance Makes Sense for Tradies

Asset finance allows you to spread the cost of work essentials over time, often with competitive interest rates and flexible repayment terms. Rather than draining your savings or using working capital, you can preserve your cash for other business needs - like wages, fuel or materials.

Commonly Financed Items:

• Utes and vans – Need a dual cab or better towing capacity? Finance helps make it happen without the upfront sting.

• Tools and gear – Power tools, toolboxes, laser levels, even generators — finance options cover it all.

• Trailers and tippers – From cage trailers to enclosed or hydraulic tippers, finance lets you upgrade your hauling game.

Finance Options Available

There’s no one-size-fits-all when it comes to finance. Here are the most common structures we offer to tradies:

1. Chattel Mortgage

One of the most popular options. You own the asset from the outset and interest and depreciation may be tax-deductible.

2. Finance Lease

You lease the equipment with the option to buy later. Ideal if you prefer flexibility or plan to upgrade equipment regularly.

3. Hire Purchase

You pay off the asset over time and own it at the end. Simple and straightforward.

Tax and Cash Flow Advantages

Many finance options come with potential tax benefits. Depending on your setup, you may be eligible for:

• Instant asset write-offs (check ATO thresholds)

• GST reclaims on financed assets

• Interest and depreciation deductions

You can also structure repayments to align with your cash flow.

Why Use a Finance Broker?

We work for you — not the bank.

As a broker, we compare lenders, negotiate better rates, and manage the paperwork so you don’t have to. Whether you’re buying a new ute, upgrading your trailer, or investing in the latest tools, we’ll guide you through it from start to finish.

Ready to Gear up?

Whether you’re just starting out or expanding your operations, asset finance can give you the tools you need to take your trade to the next level - without putting a strain on your bank balance.

Need help finding the right finance for your next ute, trailer or toolkit? We’ll find the right solution to suit your budget, business and goals.

Sam Amai