Equipment Finance

Spread the cost. Own the equipment.

Flexible finance options for Australian businesses with an ABN. Two specialist providers, vetted by Snow Flow. No large upfront outlay required.

Apply for Finance →

FD Finance

Rent-to-Own · Fixed terms 24–60 months · 30+ lender panel

SilverChef

Rental & Rent-to-Own · Hospitality specialists since 1986

Why Finance

Keep cash working for you.

Equipment finance lets you start generating revenue from day one, without depleting the working capital your business runs on.

01

Preserve cash flow

Don't deplete working capital on a single equipment purchase. Spread the cost across 24 to 60 months and keep funds available for operations, staff, and stock.

02

Tax-deductible payments

Rental payments through SilverChef are 100% tax deductible as an operating expense. Lease interest components may also be deductible — speak with your accountant.

03

Fast approvals

SilverChef approves applications in under five minutes for funding under $65,000. FD Finance connects you with lenders quickly, with minimal paperwork required.

04

Start earning sooner

Equipment in your venue generating revenue before the first repayment is due. Finance bridges the gap between the purchase decision and return on investment.

Our Providers

Two specialist providers.

Snow Flow works with FD Finance and SilverChef — both specialists in commercial equipment finance for Australian businesses. We handle the introduction; you choose the option that fits.

FD Finance

Rent-to-own · Fixed-term contracts

  • Fixed-term contracts from 24 to 60 months, with full ownership at the end
  • Access to 30+ lenders — FD Finance finds the right fit for your business
  • Simple monthly repayments; no large upfront outlay required
  • Gold Coast-based broker with 40+ years of combined industry experience
Learn more about FD Finance →

SilverChef

Rental & rent-to-own · Hospitality specialists

  • Rent-Try-Buy: a 12-month rental with the option to upgrade, return, or purchase at any time
  • Lease-to-Keep: a fixed hire-purchase from 24 to 60 months — equipment is yours at the end
  • No trading history required for Rent-Try-Buy — available from day one of your business
  • Australia's only dedicated hospitality equipment finance specialist, operating since 1986
Learn more about SilverChef →

FD Finance

Fixed-term rent-to-own. Full ownership at the end.

FD Finance is a Gold Coast-based equipment finance broker with access to 30+ lenders. They find the right fit for your business, manage the paperwork, and stay involved from application to settlement.

2,000+

Businesses funded

30+

Lenders in their panel

24–60

Month terms available

Key features

  • Rent-to-own structure — you own the equipment outright once all repayments are complete
  • Choose from 24, 36, 48, or 60 month fixed terms to suit your cash flow
  • Simple monthly repayments; no large deposit required in most cases
  • Access to traditional banks, non-bank lenders, and private investors
  • Hospitality industry specialists with 40+ years of combined experience

How it works

Submit your enquiry

Complete the finance enquiry form below. Snow Flow passes your details to FD Finance.

FD Finance gets in touch

A broker will contact you to discuss your requirements, preferred term, and the equipment you need.

Complete the application

The formal application is completed digitally via DocuSign — no physical paperwork.

Formal approval

FD Finance matches you with the right lender and confirms approval.

Snow Flow schedules delivery

Once settlement is complete, we book your delivery and installation.

Apply for FD Finance →

Finance subject to approval. ABN required.

SilverChef

Australia's hospitality equipment finance specialist.

In business since 1986, SilverChef has invested over $1 billion into the Australian hospitality industry. They offer two distinct products — a flexible short-term rental, and a longer-term hire-purchase for businesses seeking outright ownership.

$1B+

Invested in hospitality

50,000+

Customers served

< 5 min

Approval time (under $65k)

Option 1

Rent-Try-Buy

Try before you commit. Upgrade, return, or buy at any time.

Agreement term

12-month rental agreement. No minimum term to upgrade or return after the first 12 months.

Payments

Weekly rental payments. 100% tax deductible as an operating expense.

Purchase rebate

If you choose to purchase: 75% of net rent paid in year one is credited toward the purchase price.

  • No trading history required — available from day one of your business
  • Approval in under five minutes for funding under $65,000
  • No director's guarantee required for funding under $200,000

Best for: New businesses, operators who want flexibility, or those testing a new product line before committing.

Option 2

Lease-to-Keep

Fixed monthly payments. Equipment is yours at the end of the term.

Agreement term

24, 36, 48, or 60 month hire-purchase agreement with fixed monthly repayments.

Minimum funding

$10,000 minimum. Equipment ownership transfers to you upon final payment.

Ownership

SilverChef retains title until the lease is paid in full. Early payout available with a $300 fee.

  • Fixed interest rate for the full term — no rate surprises
  • Interest component is tax deductible; depreciation may also apply
  • Lease can be assigned to a new owner if you sell the business

Best for: Established businesses with 12+ months of trading who want predictable costs and outright ownership.

Apply for SilverChef Finance →

Finance subject to approval. ABN required.

Choose Your Path

Which option suits your business?

Not every business needs the same solution. Here's a quick guide to help you find the right fit — or simply ask us when you apply.

Scenario 01

I want to own the equipment outright.

You know what you need. You want a fixed monthly repayment, a defined term, and full ownership at the end. No ongoing rental fees, no ambiguity — just a clear path to owning your equipment.

Recommended

FD Finance — Rent-to-Own

See FD Finance details →

Scenario 02

My business is brand new and I'm not ready to commit.

If you have no trading history or want to trial the equipment before locking in, SilverChef's Rent-Try-Buy offers a 12-month rental with the option to buy, upgrade, or return at the end.

Recommended

SilverChef — Rent-Try-Buy

See SilverChef details →

Common Questions

Frequently asked questions.

Still have questions? Submit the form below and we'll be in touch.

Apply for Finance →
FD Finance deposit requirements vary depending on the lender and term selected — your broker will outline this clearly at the time of application. In most cases no large deposit is required. SilverChef Rent-Try-Buy requires a refundable security bond equivalent to six weeks' rent, paid at the start of the agreement.
Yes. FD Finance applications are assessed individually — an active ABN is the primary requirement in most cases. SilverChef's Rent-Try-Buy also has no minimum trading history requirement, making it suitable for businesses opening from day one.
For FD Finance rent-to-own agreements, the interest component of repayments and depreciation on the asset may be deductible — your accountant can confirm based on your structure. SilverChef rental payments under Rent-Try-Buy are 100% tax-deductible as an operating expense; for Lease-to-Keep, the interest component may also apply.
Rent-to-own is a fixed-term agreement where ownership transfers to you once all repayments are made — FD Finance operates on this model. A rental means you pay to use the equipment with no obligation to purchase at the end; you can return, upgrade, or buy when it suits you. SilverChef's Rent-Try-Buy is a rental; SilverChef's Lease-to-Keep is an ownership pathway like FD Finance.
FD Finance timelines vary by lender and deal complexity — in most cases approvals move quickly, and your Snow Flow team will keep you updated from enquiry through to settlement. SilverChef's Rent-Try-Buy is approved in under five minutes for funding under $65,000; Lease-to-Keep typically takes up to two business days.
Any commercial equipment supplied by Snow Flow — including slushy machines, soft serve units, and acai equipment. Approval is subject to each provider's terms and the type of asset being financed.
FD Finance agreements are fixed-term contracts — early payout options may be available through the matched lender, and your broker will advise at the time of application. With SilverChef's Rent-Try-Buy, you can upgrade, change, or return your equipment at any time after the initial 12-month term. SilverChef Lease-to-Keep has an early payout fee of $300.
FD Finance requirements vary by lender — your broker will advise at the time of application, and in many cases a personal guarantee is not required. SilverChef's Rent-Try-Buy does not require a director's guarantee for funding under $200,000. SilverChef's Lease-to-Keep requires one for all agreements.

Get Started

Apply for finance.

Complete the form and we'll review your enquiry within one business day. We pass your details directly to the finance provider you nominate — or we'll help you choose if you're not sure yet.

Finance provider preference

Finance is subject to approval and terms from each provider. Snow Flow facilitates the referral only and does not provide financial advice. By submitting this form you consent to Snow Flow sharing your details with the selected finance provider.