Your accountant confirms the write-off, structures the entity, and arranges the finance. One conversation, not three phone calls and a surprise at tax time.
What is tax-integrated equipment finance? National Accounts Lending provides vehicle and equipment finance for Australian businesses with tax advice built into every transaction. We confirm instant asset write-off eligibility, assess FBT exposure, and advise on the optimal borrowing entity before arranging finance across a 70+ lender panel, with approvals often completed same day.
What is tax-integrated equipment finance? National Accounts Lending provides vehicle and equipment finance for Australian businesses with tax advice built into every transaction. We confirm instant asset write-off eligibility, assess FBT exposure, and advise on the optimal borrowing entity before arranging finance across a 70+ lender panel, with approvals often completed same day.
Most businesses finance equipment through a dealer or a standalone broker without checking the tax implications first. The wrong structure can mean missed deductions, unexpected FBT exposure, or GST you cannot claim back.
A vehicle financed through the company when it should have been personal, or vice versa. The tax impact can be thousands of dollars in the wrong direction.
A company-owned vehicle used privately triggers FBT. Many business owners discover this at year-end when their accountant asks about logbooks they never kept.
Dealer-arranged finance is convenient but typically 1% to 3% above what a broker can source. On a $150,000 asset over 5 years, that is thousands in unnecessary interest.
We confirm the write-off eligibility, check the FBT position, and advise on the right entity before we touch the finance application. That is the advantage of your accountant and broker being the same team.
We verify instant asset write-off eligibility, check aggregated turnover thresholds, and confirm the deduction timing before you sign anything.
Which entity buys the asset, who uses it, and whether FBT applies. We answer these questions before the finance is arranged, not after.
We compare across the full panel including major banks, specialist asset financiers, and non-bank lenders. No dealer markups, no single-lender lock-in.
For existing clients with straightforward applications, approval often comes within hours. We already have your financials, so there is no document chase slowing things down.
From a single ute to a full fleet, from office fit-outs to heavy machinery. Structured for maximum tax benefit.
Cars, utes, vans, trucks. Chattel mortgage, hire purchase, or novated lease matched to your tax position.
Excavators, forklifts, CNC machines, welders. Finance terms matched to the asset’s useful life and your depreciation schedule.
Servers, laptops, software licences, point-of-sale systems. Often eligible for instant write-off with fast approval turnaround.
Office fit-outs, medical equipment, solar panels, cold rooms. If it supports your operations, there is a product on our panel for it.
Tax advice first, then finance. That is the order that saves you money.
The asset, the price, and when you need it. We confirm write-off eligibility and the right entity on the spot.
Instant write-off, depreciation schedule, FBT exposure, GST recovery. All confirmed before we submit.
We compare across the panel and present the best option. Chattel mortgage, hire purchase, or lease, matched to your structure.
Often same-day for existing clients. We handle settlement and ensure the asset is correctly recorded in your accounts.
Answers for business owners buying assets.
The instant asset write-off allows eligible businesses to deduct the full cost of qualifying assets in the year they are first used or installed. Eligibility depends on your aggregated turnover, the asset cost, and when it was first used. We confirm eligibility before you commit to the purchase so there are no surprises at tax time.
The ATO sets a car cost limit each financial year that caps the amount you can claim as a depreciation deduction for passenger vehicles. We confirm the exact threshold for the current year and advise whether a chattel mortgage, hire purchase, or novated lease delivers the best after-tax outcome for your situation.
It depends on your entity structure, GST registration, cash flow, and whether you want to own the asset at the end of the term. A chattel mortgage suits GST-registered businesses wanting to claim GST upfront. A hire purchase works similarly but with different ownership timing. An operating lease keeps the asset off your balance sheet. We model each option against your tax position before you sign.
For existing National Accounts clients with straightforward applications, same-day approval is common. Many lenders on our panel offer pre-approvals within hours for purchases under $250,000. Complex or higher-value facilities may take 2 to 5 business days.
Yes. Most lenders on our panel finance both new and used assets. Used asset finance may have slightly different terms including shorter loan periods and age restrictions. We advise on the best structure based on the asset’s age, expected useful life, and depreciation treatment.
The right entity depends on who uses the asset, who claims the deduction, and how it interacts with your broader tax position. A vehicle financed through a company may trigger FBT if used privately, while the same vehicle financed personally may limit deductible interest. We advise on the optimal entity before you sign the finance agreement.
Almost any business asset can be financed including vehicles, utes, trucks, forklifts, excavators, CNC machines, fit-out costs, medical equipment, IT hardware, solar panels, and specialised tools. If it generates income or supports your operations, there is likely a product on our panel that covers it.
National Accounts Lending is the finance broking division of National Accounts, a chartered accounting firm (CA ANZ) based at Level 2, 70 Hindmarsh Square, Adelaide SA 5000. We hold an Australian Credit Licence and are Xero Platinum Champion Partners.
The lending division is led by Michael Wilczynski CA, a chartered accountant and certified property valuer. Our team combines accounting, tax, and lending expertise to deliver structuring advice that traditional brokers cannot provide.
We service clients across Australia from our Adelaide office, with all consultations available online or by phone. Our lender panel includes 70+ lenders with no geographic restrictions.
