Equipment Finance South Africa

Acquire the machinery, vehicles and technology your business needs — without tying up working capital. Compare instalment sale, finance lease and hire purchase from South Africa's top asset financiers.

Apply for Equipment Finance Calculate Monthly Payments

R50K–R20M

Finance Range

Prime+2–4%

Typical Rate

12–72 mo

Repayment Terms

Equipment We Finance

Finance almost any productive business asset across all sectors

🏭

Manufacturing Machinery

CNC machines, presses, injection moulding, conveyor systems, welding equipment — all eligible.

Up to R20M

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Commercial Vehicles

Trucks, vans, forklifts, trailers and fleet vehicles with competitive prime-linked rates.

Up to R5M per unit

💻

IT & Technology

Servers, networking equipment, POS systems, laptops and cloud infrastructure hardware.

From R50,000

🏗️

Construction Equipment

Excavators, graders, compactors, scaffolding and mobile cranes financed over 24–60 months.

Up to R15M

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Medical Equipment

MRI machines, dental chairs, surgical theatre equipment and diagnostic devices.

Up to R10M

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Agricultural Equipment

Tractors, harvesters, irrigation systems and processing equipment for farms.

Up to R8M

Compare Finance Structures

Structure	Ownership	VAT Treatment	End of Term	Best For
Instalment Sale	Day 1	Input VAT on purchase price	None — paid off in full	Assets you plan to keep long-term
Finance Lease	End of term (optional)	Input VAT on each instalment	Balloon payment to acquire	Lower monthly payments, tech assets
Hire Purchase	End of term	Input VAT on rentals	Nominal final payment	SMEs wanting off-balance-sheet
Operating Lease	Funder retains	VAT on lease payments	Return asset or renew	Short-term needs, rapidly obsolete tech

Consult your accountant or tax advisor regarding VAT input claims for your specific structure.

How Equipment Finance Works

Apply Online

Submit your business financials, equipment quote and trading history.

Asset Assessment

Lender values the asset and assesses your repayment capacity.

Approval & Terms

Receive a term sheet showing deposit, rate, term and monthly payment.

Acquire Equipment

Funds paid to supplier. You take delivery and start using the asset.

Typical Requirements

Documents Needed

✓6–12 months bank statements
✓Latest 2 years financial statements
✓Equipment quote or proforma invoice
✓Company registration documents (CIPC)
✓Directors' ID copies
✓Equipment serial number / VIN for used assets

Qualifying Criteria

✓Minimum 12 months trading history
✓Monthly revenue to support repayment
✓10–20% deposit (some funders 0%)
✓Good or improving credit profile
✓SA registered business (Pty Ltd, CC, Trust, Sole Prop)
✓Equipment must be productive business asset

Ready to Finance Your Equipment?

Get competitive quotes from multiple asset financiers in one application. No obligation, no credit impact until you accept an offer.

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Frequently Asked Questions

What is equipment finance in South Africa?

Equipment finance is a loan or lease product that allows businesses to acquire machinery, vehicles, or technology by spreading the cost over 12–72 months. The equipment itself typically serves as collateral, making it easier to qualify than unsecured loans.

What is the difference between a finance lease and instalment sale?

With an instalment sale you own the asset from day one (and can claim depreciation). A finance lease means the funder retains legal ownership during the term — you use the asset and may buy it for a residual value at the end. Hire purchase is similar to instalment sale but VAT treatment differs.

How much can I finance for equipment?

South African lenders typically finance equipment from R50,000 up to R20 million+. Most require a 10–20% deposit, 12 months trading history, and consistent revenue. Start-ups may require a larger deposit or personal surety.

Ready to finance your equipment?

Get matched with SA equipment finance providers — preserve cash flow, own the equipment. Free to compare.

🔒 SSL Secured✅ POPIA Compliant🏦 NCR Registered Lenders📅 Last updated: April 2026

Rates are indicative and subject to change without notice. Finance EzyFind is a free comparison and matching service — not a lender or credit provider. All lending is subject to the National Credit Act (NCA). Please borrow responsibly.

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