For Buyer

What exactly is equipment finance?

Equipment finance is a structure that allows a business to acquire technology or assets without paying the full upfront cost. Instead, costs are spread over time in predictable payments using a structure like a lease or loan. This helps preserve cash and manage budget cycles.

Why would a business choose to finance instead of buying outright?

Financing preserves working capital, enables faster deployment without waiting for budget approval, and in some cases offers tax or accounting advantages. It’s a strategic tool, not just a way to manage affordability.

What’s the difference between leasing and renting?

 A finance lease is a lease-to-own model, where ownership transfers at the end of the term. A rental (lease-to-return) allows the customer to return or upgrade equipment, often resulting in lower monthly payments and better lifecycle alignment.

Who actually provides the funds — Zeal or someone else?

Zeal Capital is not the funder. We act as a facilitator, managing quoting, paperwork, and settlement with our network of trusted lenders. We remain your partner throughout the process.

What types of assets can be financed?

Hardware, infrastructure, software (subject to structure), warranties, and services such as setup, installation, and support — as long as they form part of a technology project and meet credit policy.

Can consumables or recurring services be financed?

Yes. Predictable consumables and recurring services can often be bundled, especially when included as part of a maintenance or care package.

What percentage of a deal can be soft costs?

 Under a lease contract, many funders are comfortable with 30–40% soft costs (such as software, services, and warranties). In some cases, higher percentages may be possible depending on the credit profile.

Can software licenses be financed?

Yes. Perpetual and multi-year subscription licenses can be financed. We recommend aligning the finance term with the license duration.

Can support, warranties, or services be included?

Absolutely. It’s common to bundle 3–5 years of warranty, support, or maintenance into the finance package.

What is the minimum and maximum deal size?

Zeal Capital typically supports deals starting from $5k up to multi-million-dollar programs. Larger deals may require additional information, which we’ll guide you through.

Are there end-of-term fees or early repayment penalties?

There are no end-of-term surprises. Lease-to-own agreements usually include a nominal buyout. Early payouts are possible by repaying the remaining balance, without penalties.

 How do I request a quote?

Provide the client name, ABN (if available), your solution quote, and preferred term. We typically respond quickly, often the same business day.

What financials might be requested?

Smaller deals may only require basic business details. Larger or newer businesses may need externally prepared financial statements.

What happens if a client is declined?

We look for alternative structures, funders, or deal adjustments. A decline isn’t always the end of the conversation.

Can support and services be bundled?

Yes. Bundling everything into a single monthly payment simplifies the buying decision.

What if a client wants to upgrade mid-term?

We can restructure, top-up, or refresh the agreement while preserving momentum.

Are there tax or accounting benefits?

In many cases, yes. Some rentals may be off-balance-sheet and payments may be deductible. Clients should always confirm with their accountant.

What happens at the end of term?

Options include returning, upgrading, extending, or purchasing the equipment — depending on the agreement type.

How does invoicing work?

Once documents are signed, the supplier issues an invoice. Zeal Capital manages submission to the funder and confirms when payment is settled.

When is a deal considered settled?

Once the funder has paid the supplier. We’ll confirm this clearly.

 Can deals be restructured later?

 Yes. Consolidation, top-ups, and refreshes are possible, subject to credit review