Keeping your equipment up to date is essential to minimise downtime and support your bottom line. Ryo Finance provides equipment finance solutions for businesses in Bunbury and across the South West, helping you invest with confidence. At Ryo Finance, we have the experience to work with clients across the transport, construction, manufacturing and a broad range of other industries.
Whether you’re a sole operator, managing a fleet of road trains, or running a large rental business, we have the industry knowledge to tailor finance solutions to your needs.
Our extensive panel of lenders allows us to facilitate one-off purchases, establish lines of credit for expansion, or arrange pre-approvals — giving you the confidence to buy new or used equipment from dealers or private sellers. From excavators, skid steers, and graders to CNC machines and edgebanders, we’re here to help you secure the right finance to keep your business moving forward.
You can finance a wide range of equipment, including trucks, trailers, excavators, graders, skid steers, CNC machines, manufacturing tools, or even something a little more out of the ordinary. New jet for the business? Let’s talk.
A chattel mortgage is a loan secured against the equipment you’re purchasing. You own the equipment from day one, and the lender holds an interest in it until the loan is repaid. This option often offers tax benefits and competitive interest rates.
A deposit isn’t always required, especially if your business has strong financials. However, providing a deposit can improve your chances of approval, lower monthly repayments, and reduce the total interest paid over the loan term.
Businesses may be able to claim deductions on interest paid, depreciation of the equipment, and GST (if registered for GST). The instant asset write-offscheme may also apply, depending on current ATO guidelines. We recommend that you obtain your own independent financial advice from your accountant.
Yes, pre-approval is available and can give you confidence when negotiating purchases. It helps you understand your budget and streamlines the buying process, allowing you to secure equipment quickly when the right opportunity arises.
Give us a call to get started, or click the BOOK APPOINTMENT button on this page.
