The Ultimate Guide to Equipment Finance for Water Suppliers

The Ultimate Guide to Equipment Finance for Water Suppliers with Emu MoneyThe Ultimate Guide to Equipment Finance for Water Suppliers with Emu Money

Water supply is a crucial service that plays a vital role in Australia's overall well-being and sustainability. For Water Suppliers across the country, having the right equipment is integral to efficiently deliver safe and reliable water to communities. However, acquiring and maintaining equipment can be a significant financial burden. This is where equipment finance comes in as a valuable solution. Equipment finance, also known as equipment financing, offers Water Suppliers the opportunity to access the latest equipment without substantial upfront costs. It provides a flexible and affordable way to acquire, upgrade, or replace essential equipment, such as water pumps, treatment systems, pipes, and metres. By spreading the costs over time, Water Suppliers can better manage their budgets, conserve capital, and focus their financial resources on other critical areas. One of the benefits of equipment finance is the ability to use an equipment finance calculator. This helpful tool allows Water Suppliers to determine the estimated costs, repayment terms, and potential savings associated with financing equipment. It helps them make informed decisions and choose the most suitable financing option for their specific needs. In addition to cost savings and budget management, equipment finance also empowers Water Suppliers to stay ahead of technological advancements. With rapidly evolving technologies in the water industry, it is essential for suppliers to continually upgrade their equipment to enhance efficiency and effectiveness. By financing equipment, Water Suppliers can easily adapt to new innovations and maintain competitiveness in a dynamic market.

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What is Equipment Finance?

To effectively operate and provide reliable water services, Water Suppliers in Australia often require specialised equipment such as pumps, treatment systems, and metres. However, the significant upfront costs associated with purchasing or upgrading this equipment can be a financial obstacle. This is where equipment finance becomes a valuable solution. Equipment finance is a financial arrangement designed specifically for businesses, including Water Suppliers, to obtain the necessary equipment without bearing the full cost upfront. Instead of using their own capital, Water Suppliers can enter into an agreement with a finance provider, who purchases the equipment on their behalf. The Water Supplier then makes regular payments to the finance provider over an agreed term. The important aspect of equipment finance for Water Suppliers is that they retain full use of the equipment for the duration of the financing term. This means they can immediately put the equipment into service, enhancing their operational capabilities without delay. Additionally, the repayments made towards the equipment finance agreement are typically treated as operational expenses, allowing for potential tax benefits. Equipment finance options may vary depending on the specific needs and circumstances of the Water Supplier. These options can include leases, hire purchase agreements, or chattel mortgages. Each option may have different terms, interest rates, and payment structures, allowing Water Suppliers to choose the most suitable option for their financial situation.

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Top 10 Types of Equipment Water Suppliers Can Purchase With Equipment Finance

Water Suppliers can utilise equipment finance to acquire essential equipment such as water pumps, treatment systems, and metres. These enable efficient water extraction and distribution, ensuring water quality and accurate billing. Equipment finance empowers Water Suppliers to enhance their infrastructure and streamline operations for reliable water supply.

Here are some common types of equipment Water Suppliers can purchase with equipment finance:

Water Pumps

Water Suppliers can purchase high-quality water pumps to efficiently extract and distribute water throughout the supply network.

Treatment Systems

Equipment finance enables Water Suppliers to acquire advanced treatment systems for purifying and disinfecting water, ensuring it meets quality standards.


Water Suppliers can invest in accurate and reliable water metres to monitor consumption, detect leaks, and ensure fair billing for customers.

Pipes and Fittings

Equipment finance allows Water Suppliers to upgrade or expand their infrastructure by acquiring pipes and fittings necessary for the reliable distribution of water.

Filtration Equipment

Advanced filtration systems enable Water Suppliers to remove impurities and contaminants from water, ensuring its safety and quality.


Water Suppliers can obtain tankers for efficient transport of water to different locations, especially for rural and remote areas.

Data Management Systems

Equipment finance enables Water Suppliers to implement state-of-the-art data management systems to monitor water usage, track operational efficiency, and improve decision-making processes.

Laboratory Equipment

Water Suppliers can equip their labouratories with advanced testing equipment to perform quality control cheques and ensure water safety compliance.

Water Analysis Tools

By utilising equipment finance, Water Suppliers can access specialised tools and instruments for analysing water samples and monitoring its composition.

Water Testing Kits

Equipment finance allows Water Suppliers to have readily available water testing kits for onsite testing, facilitating quick and accurate assessment of water quality parametres.

Top 10 Ways Water Suppliers Use Equipment Finance For Growth

Water Suppliers can leverage equipment finance to drive growth by upgrading infrastructure, expanding service networks, implementing advanced technology, and optimising energy efficiency. Through equipment finance, they can enhance water treatment processes, improve data analytics, and adapt to environmental changes, fostering resilience and innovation in the water supply industry.

Here are some common reasons Water Suppliers use equipment finance for growth:

Upgrade Infrastructure

Equipment finance enables Water Suppliers to upgrade their infrastructure, including pipes, pumps, and treatment systems, to enhance operational efficiency and ensure reliable water supply.

Expand Service Network

With equipment finance, Water Suppliers can expand their service network by acquiring additional metres, tanks, and distribution equipment to serve more areas and meet growing demands.

Implement Advanced Technology

Equipment finance allows Water Suppliers to invest in state-of-the-art technology, such as data management systems and water analysis tools, to improve monitoring, streamline operations, and ensure water quality.

Enhance Water Treatment Processes

Through equipment finance, Water Suppliers can access advanced filtration and disinfection systems, resulting in improved water treatment processes that comply with stringent regulations and deliver high-quality water.

Improve Data Analytics

By using equipment finance to acquire data management systems, Water Suppliers can enhance data analytics capabilities, allowing for better decision-making, predictive maintenance, and resource optimisation.

Optimize Energy Efficiency

Equipment finance enables Water Suppliers to invest in energy-efficient equipment like pumps, metres, and treatment systems, helping reduce energy consumption, lower operational costs, and minimise carbon footprint.

Increase Capacity

With equipment finance, Water Suppliers can invest in additional tanks, pipelines, and equipment to increase water storage and distribution capacity, ensuring adequate supply during peak demand periods.

Enhance Customer Service

By leveraging equipment finance, Water Suppliers can acquire customer service tools like billing systems, metre reading devices, and customer management software, improving response times and providing better service to customers.

Adapt to Environmental Changes

Equipments like weather forecasting systems and water monitoring sensors, acquired through equipment finance, help Water Suppliers adapt to environmental changes, ensuring water supply resilience in the face of climate variability.

Support Research and Innovation

Equipment finance allows Water Suppliers to invest in research and innovation, fostering continuous improvement in water treatment processes, distribution networks, and conservation practises to better meet future challenges.

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Advantages of Equipment Finance for Water Suppliers

Equipment finance for Water Suppliers in Australia brings several advantages, enabling them to secure the necessary equipment for their operations. Here are some of the advantages:

Enhanced Operational Efficiency

Equipment finance allows Water Suppliers in Australia to acquire the necessary equipment to streamline their operations and improve efficiency. With access to modern equipment like water pumps, filtration systems, and irrigation tools, Water Suppliers can enhance productivity and deliver better services to their customers.

Financial Flexibility

Equipment finance provides Water Suppliers with the flexibility to obtain the equipment they need without a substantial upfront investment. By opting for equipment financing, Water Suppliers can conserve their working capital and allocate funds for other essential business expenses. This allows them to manage their cash flow effectively and make strategic financial decisions.

Upgraded Technology and Innovation

With equipment finance, Water Suppliers can stay up to date with the latest technological advancements in the industry. By accessing advanced equipment and technology, such as smart metres, remote monitoring systems, and water quality testing devices, Water Suppliers can improve their service delivery, enhance accuracy, and adopt more sustainable practises.

Mitigation of Obsolescence

The equipment finance option enables Water Suppliers to avoid the risk of investing in equipment that may become obsolete over time. By leasing or financing equipment, Water Suppliers have the flexibility to upgrade to newer models or technologies when necessary, ensuring they are equipped with the most efficient and effective tools to meet evolving industry requirements.

Disadvantages of Equipment Finance for Water Suppliers

When considering equipment finance for Water Suppliers in Australia, it's important to be mindful of a few considerations. Here are a few potential disadvantages to think about:

Financial Commitment

Equipment finance requires Water Suppliers to enter into a financial commitment, which includes regular payments over a fixed period. While this allows for the acquisition of necessary equipment, it is important to carefully consider the long-term financial implications and ensure that the business can comfortably meet the payment obligations.

Potential Cost of Borrowing

Water Suppliers should be aware that equipment finance may come with interest rates or fees associated with borrowing. It is important to thoroughly review and compare different financing options to ensure the most favourable terms and conditions are obtained. Taking the time to research and negotiate can help minimise the overall cost of borrowing.

Limited Ownership Rights

With equipment finance, Water Suppliers may not have full ownership rights during the financing period. This means that the equipment is not considered a business asset until the full repayment is made. However, this aspect can also be seen as beneficial for those who prefer to upgrade their equipment frequently, as they can easily transition to newer models without the hassle of selling or disposing of the old equipment.

Potential for Equipment Depreciation

Over time, equipment may depreciate in value due to wear and tear or advances in technology. Water Suppliers should consider the potential depreciation of the financed equipment when determining the repayment period and terms of the financing agreement. It is advisable to choose equipment with a longer lifespan or negotiate flexible financing terms that align with the expected lifespan of the equipment.

Equipment Financing Alternatives for Water Suppliers

Equipment leasing, equipment rental, vendor financing, and government funding/grants are viable alternatives to traditional equipment finance for Water Suppliers. These options provide flexibility in terms of equipment acquisition, usage, and financing terms. By considering these alternatives, Water Suppliers can find the most suitable approach to meet their equipment needs while managing their financial resources effectively.

Here are some common alternatives to equipment finance:

Equipment Leasing

Water Suppliers have the option to lease equipment instead of purchasing it outright. Through equipment leasing, they can gain access to the necessary tools and machinery without the burden of owning and maintaining them. Leasing allows for flexibility in terms of equipment upgrades and lower upfront costs.

Equipment Rental

Another alternative for Water Suppliers is equipment rental. This option allows them to temporarily use equipment as needed without the long-term financial commitment associated with purchasing or leasing. Rental agreements can be suitable for short-term projects or situations where equipment usage may vary seasonally.

Vendor Financing

Some equipment suppliers offer financing options directly to Water Suppliers. This enables them to acquire the necessary equipment while leveraging the financing terms provided by the vendor. Vendor financing may offer competitive rates and convenient access to the equipment needed for specific industry requirements.

Government Funding and Grants

Water Suppliers in Australia may explore various government funding programmes and grants that specifically support equipment acquisition. These programmes aim to promote investment in modern and sustainable equipment that contributes to the growth and improvement of the water supply industry.

Equipment Finance Repayment Calculator

To estimate your monthly repayments and the total cost of the loan, input the loan amount, loan term and interest rate into the calculator below. This helps you plan your budget and choose the most suitable loan terms.

Loan Amount
Establishment Fee
Loan Term (Years)
Interest Rate
Total amount to repay
Your repayments

Balance over time

Frequently Asked Questions

Still have questions about equipment finance?

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

What is the interest rate on equipment finance
Can I finance used equipment?
What is the typical term for equipment finance?
Do I need to provide a down payment?
Can I get equipment finance with bad credit?
Are there any tax benefits to equipment finance?
Can I pay off my equipment loan early?
Can I lease equipment instead of buying?
What is the difference between a lease and a loan?
What happens if the equipment breaks down?
Can I refinance equipment finance?
Is equipment insurance required?
Do I need a good business credit score for equipment financing?
Can I include installation, maintenance, and other costs in my loan?