Blogs

Chattel mortgage, lease or rental: which finance type suits your venue?

Chattel mortgage, lease or rental: which finance type suits your venue?

When you finance equipment, it is not just about getting a yes. It is about picking the structure that fits how you run your venue. The same oven can be funded in a few different ways, and the right one depends on whether you want to own it, how long you will keep it, and what you want your cash flow to look like. Here are the three main options:
Getting your venue ready for peak season: an equipment checklist

Getting your venue ready for peak season: an equipment checklist

Peak season is won early. By the time the summer and Christmas rush arrives, the venues that cope best are the ones that sorted their gear weeks before. The ones that leave it late end up patching problems mid-service, which is the worst possible time. Use this checklist to get ahead of it.
Financing your first café or restaurant: a guide for new operators

Financing your first café or restaurant: a guide for new operators

Opening your first venue is a huge step. It is also the point where many new owners assume finance is off the table. "I am too new," the thinking goes, "no one will back me yet." That assumption stops a lot of good operators before they start, and it is often wrong.
Should you upgrade your venue's gear in 2026? A cash-flow-first guide

Should you upgrade your venue's gear in 2026? A cash-flow-first guide

Across the country, more businesses are upgrading gear they put off replacing during leaner years. If you have been nursing a tired oven or a fridge that struggles on a hot day, you have probably wondered whether this is the year to act. Here is a simple way to think it through, with cash flow in front of mind.
Refinancing your hospitality equipment loans: when it is worth it

Refinancing your hospitality equipment loans: when it is worth it

Most owners sign one finance deal and never look at it again. That is understandable. You are busy running a venue, not watching interest markets. But a lot can change in a few years, and the finances you set up when you opened might not be the best fit today. That is where refinancing comes in.
What can a hospitality business actually finance?

What can a hospitality business actually finance?

When most owners think of equipment finance, they picture the big kitchen machines. Those matter, but they are only part of the story. A lot of what makes a venue work can be financed, and knowing that can change how you plan a build or an upgrade.
The complete guide to financing a café or restaurant fit-out

The complete guide to financing a café or restaurant fit-out

Opening or refreshing a venue is exciting. It is also expensive. A fit-out pulls together a long list of costs at once, and paying for all of it out of your own pocket can leave the business short before you have served a single customer. Financing the fit-out spreads that cost out, so your cash stays where it is needed most.
The $20,000 instant asset write-off is now permanent: what it means for hospitality

The $20,000 instant asset write-off is now permanent: what it means for hospitality

For years, the instant asset write-off came with an expiry date. Every year, business owners waited to see if it would be extended. That uncertainty is now gone.
Opening your second venue: how to expand without starving the first

Opening your second venue: how to expand without starving the first

Opening a second venue is a milestone. It is also where a lot of good operators come unstuck, not because the new site fails, but because the expansion quietly drains the business that was working fine.
Seasonal cashflow: structuring equipment finance around your busy and quiet months

Seasonal cashflow: structuring equipment finance around your busy and quiet months

If you run a cafe, restaurant, bar or any seasonal venue, you already know the truth that steady-income advice ignores: your money does not arrive evenly. Summer roars, winter whispers, and the equipment bills do not care which month it is.

4 Ways to Grow Your Business in a Downturn

Here are four left-field ways in which it might be possible for small businesses to keep growing, despite the economic difficulty.

4 Ways Industrial Equipment Finance Can Help Boost Your Business

Stay ahead of the competition with industrial equipment finance. Discover the benefits and advantages for your business's growth with Geared.

Supply Chain Visibility Solutions

Enhance your supply chain visibility with advanced technology. Gain crucial data to support informed decision-making for your small business.

Is Cash Flow Funding Right for Your Business?

In this blog, we’ll explain what cash flow funding is and discuss why it may be the loan of choice for your business.

Asset Management Technology - How SMBs Use It To Get Ahead -

Asset Management Technology gives SMBs an edge by reducing costs, improving operations and increasing overall efficiencies.

5 Finance Metrics That Can Help Your Small Business Thrive

Monitoring these 5 key finance metrics can lead to better decisions that will ensure business longevity.

3 Financial Habits for 2023 and 3 Bad Ones to Leave in 2022

Geared has put together a guide on managing financial habits for your business in 2023. Read our article to learn our expert advice.

How Can I Prevent a Ransomware Attack on My Company?

Safeguard your company from ransomware attacks. Discover essential tips to prevent and minimise cyber threat impact. Learn more at Geared.

Diving into Budget Updates

Stay informed with the latest budget updates. Dive into key insights and analysis for smarter financial planning in 2023 with Geared experts.

Your Update on the Country’s Largest Infrastructure Projects

The October Federal Budget announcement has revealed which big infrastructure projects are being prioritised throughout the country. Large transport projects create new economic hubs or clusters around small and medium-sized businesses. This stimulates more economic activity both during and following construction. A mega transport project can cost more than

Chattel mortgage, lease or rental: which finance type suits your venue?

When you finance equipment, it is not just about getting a yes. It is about picking the structure that fits how you run your venue. The same oven can be funded in a few different ways, and the right one depends on whether you want to own it, how long you will keep it, and what you want your cash flow to look like. Here are the three main options:

Getting your venue ready for peak season: an equipment checklist

Peak season is won early. By the time the summer and Christmas rush arrives, the venues that cope best are the ones that sorted their gear weeks before. The ones that leave it late end up patching problems mid-service, which is the worst possible time. Use this checklist to get ahead of it.

Financing your first café or restaurant: a guide for new operators

Opening your first venue is a huge step. It is also the point where many new owners assume finance is off the table. "I am too new," the thinking goes, "no one will back me yet." That assumption stops a lot of good operators before they start, and it is often wrong.

Should you upgrade your venue's gear in 2026? A cash-flow-first guide

Across the country, more businesses are upgrading gear they put off replacing during leaner years. If you have been nursing a tired oven or a fridge that struggles on a hot day, you have probably wondered whether this is the year to act. Here is a simple way to think it through, with cash flow in front of mind.

Refinancing your hospitality equipment loans: when it is worth it

Most owners sign one finance deal and never look at it again. That is understandable. You are busy running a venue, not watching interest markets. But a lot can change in a few years, and the finances you set up when you opened might not be the best fit today. That is where refinancing comes in.

What can a hospitality business actually finance?

When most owners think of equipment finance, they picture the big kitchen machines. Those matter, but they are only part of the story. A lot of what makes a venue work can be financed, and knowing that can change how you plan a build or an upgrade.

The complete guide to financing a café or restaurant fit-out

Opening or refreshing a venue is exciting. It is also expensive. A fit-out pulls together a long list of costs at once, and paying for all of it out of your own pocket can leave the business short before you have served a single customer. Financing the fit-out spreads that cost out, so your cash stays where it is needed most.

The $20,000 instant asset write-off is now permanent: what it means for hospitality

For years, the instant asset write-off came with an expiry date. Every year, business owners waited to see if it would be extended. That uncertainty is now gone.

Opening your second venue: how to expand without starving the first

Opening a second venue is a milestone. It is also where a lot of good operators come unstuck, not because the new site fails, but because the expansion quietly drains the business that was working fine.

Seasonal cashflow: structuring equipment finance around your busy and quiet months

If you run a cafe, restaurant, bar or any seasonal venue, you already know the truth that steady-income advice ignores: your money does not arrive evenly. Summer roars, winter whispers, and the equipment bills do not care which month it is.

Brewing Success with Ottimo Coffee – A 15-Year Journey of Passion and Partnership

Ottimo Coffee stands as a shining example of a business fueled by passion, dedication, and strong partnerships. The 15-year journey is not just a testament to the excellence of their coffee but also to the power of collaboration and choosing the right allies in

Don’t take our word for it! Hear it from our customers.

Stomping Ground Brewing Co.
I have been working with Geared Finance for over 10 years. During this time, they have helped us with our equipment finance needs and have been a pleasure to deal with. The team is responsive, fast, and easy to work with. They go above and beyond, even liaising with suppliers to streamline the process.
Guy Greenstone
Guy Greenstone
•
Stomping Ground Brewing Co.
Guy Greenstone
•
Stomping Ground Brewing Co.
Guy Greenstone
Sodexo
We have been working with Geared Finance for the past 4 years and always found their service attentive and prompt. Geared provides a high level of customer service and works with us to create bespoke solutions that suit our business. They are always professional, supportive, and ready to assist.
Sandra Giannakopoulos
Sandra Giannakopoulos
•
Sodexo
Sandra Giannakopoulos
•
Sodexo
Sandra Giannakopoulos
Fabulous Catering
Geared Finance has supported our business in many ways. From equipment and solar to software and vehicles, they offer solutions across the board. With competitive rates and fast service, they provide advice and experience that help our business grow. We’re proud to be a loyal client of Geared Finance.
Adam Pope
Adam Pope
•
Fabulous Catering
Adam Pope
•
Fabulous Catering
Adam Pope
Alphington Grammar School
Geared Asset Finance has financed our school’s IT equipment over the years. As a school, we need flexibility and an understanding of financial cycles, which they provide. Their support and service are reliable, and we’ve always felt confident working with them. We highly recommend them to others.
Manuel Pappos
Manuel Pappos
•
Alphington Grammar School
Manuel Pappos
•
Alphington Grammar School
Manuel Pappos
Geelong Collision Care
The team at Geared Asset Finance has been phenomenal. They handle our business finances from start to finish and are always available to help. Their long-term support has made a real difference to us. We’ve trusted them for years, and we’re sure we’ll continue to work with them well into the future.
Mark Clarke
Mark Clarke
•
Geelong Collision Care
Mark Clarke
•
Geelong Collision Care
Mark Clarke