Last updated: 8 December 2025 – all generator finance rates & tax rules verified this week
Written & reviewed by Ding Financial power equipment team – ACL 222640 | 15+ years generator finance experience
⚠️ Important Disclaimer
All information is general only and does not constitute personal financial, taxation, or technical advice.
Rates and eligibility are indicative only and vary based on individual circumstances, credit profile, generator type/size, and lender criteria.
Tax benefits (including $20k instant write-off) depend on your situation and current ATO rules.
Contact Ding Financial or your adviser before making decisions.
Generator Finance NSW – Diesel, Gas & Portable Power
Finance all generator types for NSW construction, events, mining, data centers, and emergency backup power. Portable generators (3-20kVA), industrial generators (20-500kVA+), diesel, gas, and hybrid systems.
Compare 20+ specialist lenders, understand the $20k instant write-off, and get expert quotes from Ding Financial (ACL 222640).
Trusted by 120+ NSW businesses across construction, events, mining, healthcare, and critical infrastructure.
📞 Speak to a power equipment specialist: 1300 DING FIN
Important Tax & Financial Disclaimer
General Information Only: The information provided on this page is for general guidance purposes only and should not be considered as professional tax, legal, or financial advice.
Seek Professional Advice: You must seek professional advice from a qualified accountant, tax advisor, or financial planner regarding your individual tax circumstances, strategies, and current regulations before making any financial decisions.
ATO Requirements: For official information about tax deductions, instant asset write-offs, depreciation schedules, and current ATO requirements, always cross-reference with the Australian Taxation Office website:
Tax laws and regulations are subject to change. Always verify current requirements with the ATO and consult with professional advisors before making equipment finance decisions.
Official ATO $20,000 Instant Asset Write-Off
Based on official Australian Taxation Office guidance - current for 2024-26 financial years
$20,000 Instant Asset Write-Off
Official ATO instant asset write-off for eligible generators and power equipment
Eligibility Requirements
- •Business aggregated turnover less than $10 million
- •Asset cost less than $20,000 (ex GST if registered)
- •First used or installed ready for use 1 July 2024 – 30 June 2025 (law) | 1 July 2025 – 30 June 2026 (announced)*
- •Using simplified depreciation rules
- •Both new and second-hand assets qualify
How It Works
- •Per-asset basis: Write off multiple assets under $20k each
- •Immediate deduction: Claim full business portion in year of purchase
- •GST treatment: Exclude GST if registered, include if not
- •Business use only: Only claim business portion (not private use)
Assets $20,000 or More
If your asset costs $20,000 or more, it goes into the small business simplified depreciation pool:
- • 15% deduction in the first year
- • 30% deduction each subsequent year
- • If pool balance falls below $20,000, write off the entire balance
Important Exclusions & Limits
Passenger vehicles limited to $69,674 for depreciation purposes (excludes motorcycles and disability-modified vehicles)
- • Assets leased out (>50% of time)
- • R&D assets (special rules apply)
- • Capital works & buildings
- • Horticultural plants
Practical Example
Purchase: Computer for $6,800 (80% business use)
Instant Write-Off: $5,440 (80% of $6,800) in the year of purchase
Total cost ($6,800) is below $20,000 threshold ✓
Business can claim $5,440 deduction immediately, not spread over multiple years
* Legislative Status: The $20,000 instant asset write-off for 2024-25 (1 July 2024 to 30 June 2025) is confirmed law. The extension for 2025-26 (1 July 2025 to 30 June 2026) has been announced by the government but is not yet legislated. While the government has committed to this extension, it requires parliamentary passage before becoming law.
Important: This information is based on ATO guidance current as of December 2024. Tax laws change regularly. Consult a registered tax agent or accountant to ensure your specific situation qualifies for the instant asset write-off. Record keeping requirements apply.
NSW Generator Types & Indicative Finance Pricing
Portable Generators (3-20 kVA)
Construction sites, events, residential backup
Power Range:
3-20 kVA (3kVA, 7kVA, 10kVA, 15kVA, 20kVA models)
New Pricing:
- • 3-5 kVA: $2,500-$6,000
- • 7-10 kVA: $5,500-$12,000
- • 12-15 kVA: $10,000-$18,000
- • 18-20 kVA: $16,000-$28,000
Indicative Finance Rates:
8.0-11.0% p.a.*
💡 $20k Instant Write-Off:
Most portable generators under $20k ex-GST qualify for instant asset write-off if other ATO criteria met. Consult your accountant.
Industrial Diesel (50-500+ kVA)
Mining, data centers, hospitals, factories
Power Range:
50-500+ kVA (100kVA, 250kVA, 500kVA typical)
New Pricing:
- • 50-100 kVA: $35,000-$85,000
- • 150-250 kVA: $90,000-$180,000
- • 300-500 kVA: $200,000-$400,000
- • 500+ kVA: $450,000-$1M+
Indicative Finance Rates:
7.0-9.5% p.a.*
Ding Financial Generator Finance Expertise
*Indicative rates only. Actual rates vary based on credit profile, generator type/size/brand, usage hours, and lender criteria. Contact us for personalized quotes across all generator types.
Contact Ding Financial for Expert Generator Finance Assessment
Trusted by 120+ NSW businesses. 15+ years power equipment experience. Compare 20+ lenders.