Scissor lift finance for access hire, trades and facilities work
Electric and rough-terrain scissor lifts, financed on a chattel mortgage that suits fleet buyers and single-unit operators alike.
A scissor lift earns every time it's rented out or keeps a crew working at height instead of standing around a ladder. Financing the unit instead of paying cash keeps working capital free for the next job or the next lift. Whether you're building a hire fleet or buying your first unit, new or used, we can usually structure it to fit your cash flow.
Who it's for
Access-hire operators, electricians, facilities managers and construction subcontractors.
Financing a fleet, not just one lift
Hire operators often need three, five or ten units at once to service a contract. Scissor lift finance can typically be structured across a fleet as a single facility or as staged drawdowns, so new units come online as utilisation grows rather than tying up cash in stock sitting in the yard.
A balloon keeps the monthly repayment down
If the lift is earning rental income or freeing up billable hours, a balloon (residual) — commonly around 20-30% — lowers the monthly repayment and matches it more closely to what the unit brings in. At the end of the term you can refinance the balloon, pay it out, or trade up to a newer unit.
Established ABN and property often means no financials
If your ABN has been active for 2+ years, you're GST registered and a director owns property, scissor lift finance can frequently be arranged with no tax returns, BAS or bank statements. That covers most single-unit and small-fleet purchases. We'll tell you honestly whether low-doc or a full submission gets you the better outcome.
Buying secondhand or through a private sale
Used scissor lifts move through dealers, auctions and private sellers. A private sale usually needs a title (PPSR) check and a quick condition review before funds are released, which we handle as part of settlement. Dealer purchases are typically the most straightforward to finance.
Get pre-approved before you bid or buy
Good used lifts move quickly, especially at clearance auctions. A pre-approval tells you your limit up front so you can act like a cash buyer on the day rather than waiting on a bank. Sort the finance before the sale, not after.
Own the lift, claim the GST and depreciation
On a chattel mortgage your business owns the scissor lift from day one, so you can generally claim the GST input tax credit on the purchase and depreciate the unit over its working life. For equipment that's earning rental income, that's typically a useful deduction. Confirm the detail with your accountant before you commit.
Talk to a specialist
Get the right rate and the right structure for your next asset. No pressure to proceed, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up the right rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Your rate depends on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Yes. Fleet purchases can usually be structured as a single facility or staged drawdowns as you add units, which suits hire operators scaling utilisation over time. We'll talk through what fits your growth plan before anything is lodged.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.