Last updated: 8 December 2025 – all manufacturing equipment finance rates & tax rules verified this week
Written & reviewed by Ding Financial manufacturing equipment team – ACL 222640 | 24+ years manufacturing 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 credit profile, equipment type/age/condition, production capacity, and lender criteria.
Tax benefits (including $20k instant write-off, accelerated depreciation for industrial equipment) depend on your situation and current ATO rules.
Contact Ding Financial or your adviser before making decisions.
Manufacturing Equipment Finance NSW
Finance all manufacturing equipment for NSW factories, workshops, and production facilities. CNC machines, lathes, milling machines, press brakes, laser cutters, welding equipment, forklifts, and industrial machinery.
Compare 30+ specialist lenders, understand the $20k instant write-off, accelerated depreciation, and get expert quotes from Ding Financial (ACL 222640).
Trusted by 320+ NSW manufacturers across metal fabrication, plastics, food production, and industrial sectors.
📞 Speak to a manufacturing 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 manufacturing machinery and CNC 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 Manufacturing Equipment Types & Indicative Finance Pricing
CNC Machines & Lathes
CNC mills, lathes, routers, plasma
Machine Types:
CNC mills, CNC lathes, CNC routers, plasma/laser cutters
New Pricing:
- • Entry-level CNC mill: $35,000-$85,000
- • Mid-range CNC mill: $85,000-$180,000
- • High-end CNC mill: $180,000-$450,000
- • CNC lathe: $45,000-$280,000
- • CNC router: $25,000-$120,000
- • Plasma/laser cutter: $65,000-$380,000
Used Pricing (5-12 years):
- • CNC mill: $25,000-$120,000
- • CNC lathe: $30,000-$150,000
- • CNC router: $15,000-$65,000
Indicative Finance Rates:
6.5-8.5% p.a.*
✅ Best For:
- • Metal fabrication
- • Precision engineering
- • Automotive parts
- • Aerospace components
- • Contract manufacturing
Popular Brands in NSW:
Haas, DMG Mori, Mazak, Fanuc, Hurco, Brother
Press Brakes & Forming
Hydraulic presses, punch presses
Capacity Range:
40-600 tonne capacity (typical: 100T, 175T, 300T)
New Pricing:
- • 40-100T press brake: $45,000-$95,000
- • 125-175T press brake: $95,000-$165,000
- • 200-300T press brake: $165,000-$280,000
- • 350-600T press brake: $280,000-$550,000
Indicative Finance Rates:
6.5-8.5% p.a.*
Popular Brands in NSW:
Accurpress, Accurl, SafanDarley, LVD, Amada
Welding & Fabrication
MIG/TIG/Arc welders, positioners
Equipment Types:
MIG/TIG welders, robotic welders, positioners, fume extraction
New Pricing:
- • Professional MIG/TIG: $4,500-$18,000
- • Industrial MIG/TIG: $18,000-$45,000
- • Robotic welding cell: $85,000-$280,000
- • Welding positioner: $8,000-$55,000
Indicative Finance Rates:
7.0-9.0% p.a.*
💡 $20k Instant Write-Off:
Most professional welders and many positioners under $20k ex-GST qualify. Verify with accountant.
Material Handling
Forklifts, conveyors, overhead cranes
Equipment Types:
Electric/LPG forklifts, conveyor systems, overhead cranes
Pricing Range:
- • Electric forklift (1.5-2.5T): $35,000-$65,000
- • LPG forklift (2.5-5T): $45,000-$80,000
- • Conveyor system: $25,000-$180,000
- • Overhead crane (5-20T): $85,000-$380,000
Indicative Finance Rates:
6.5-9.0% p.a.*
Ding Financial Manufacturing Equipment Finance Expertise
*Indicative rates only. Actual rates vary based on credit profile, equipment type/age/condition, production capacity, facility requirements, and lender criteria.
Ding Financial has 24+ years experience financing manufacturing equipment for NSW factories and production facilities. We understand manufacturing finance requirements including accelerated depreciation schedules, production-based cashflow structures, and equipment ROI analysis.
Our team works with specialist manufacturing lenders who understand capital equipment investment cycles, production capacity requirements, and industry-specific NSW conditions. Contact us for personalized quotes across all manufacturing equipment types and brands.
Contact Ding Financial for Expert Manufacturing Equipment Finance Assessment
Trusted by 320+ NSW manufacturers. 24+ years manufacturing equipment finance experience. Compare 30+ lenders.
Australian Credit Licence 222640 | 24+ years manufacturing finance experience | Trusted by 320+ NSW manufacturers