Is this right for you?
This is for WA warehousing, logistics, cold chain, and industrial operators upgrading facilities, handling systems, and storage infrastructure.Typical clients are expanding warehouse capacity, deploying automation, or upgrading forklift fleets to support throughput and contract growth.
If you're investing in operational infrastructure and need to preserve liquidity - you're in the right place.
The industry reality.
Warehouse and industrial operators in WA are investing in capacity at a rate that working capital alone cannot sustain. Growth in e-commerce, mining supply chains, and Fremantle Port import and export logistics is increasing demand for modern handling infrastructure, automation, and cold storage capability. Businesses that cannot scale quickly risk throughput bottlenecks that limit contract fulfilment and customer retention.
Warehouse fitouts, forklift fleets, racking systems, and automation typically need to be deployed before the revenue efficiency gains they generate are fully realised. Equipment finance, structured properly, allows operators to expand operational capacity without depleting the liquidity needed for staffing, inventory, and commercial opportunity response.
Equipment we finance.
Forklifts & Load Handling
Electric counterbalance forklifts
Diesel yard forklifts
High-reach warehouse units
Electric pallet jacks
Ride-on pallet movers
Racking
& Storage
Selective pallet racking
Drive-in racking
Cantilever racking
Mezzanine floors
Modular shelving
Conveyor & Automation
Roller & belt conveyors
Gravity-fed conveyors
Automated sortation
Packing & wrapping lines
Cold Storage & Refrigeration
Industrial refrigeration units
Cold room panel systems
Blast freezers & chillers
Temperature-controlled containers
Refrigerated fitouts
Lifting & Access
Rough terrain forklifts
Telehandlers
EWPs & order pickers
Drum handling equipment
Hydraulic lift tables
Not on the list? Get in touch - we finance across a wide range of warehouse and industrial equipment.
How we structure it.
Warehouse operators operators don't all have the same cashflow profile.
We structure repayments around how your business actually earns, your future cash-flow position and current working capital position and match it with the right Lender.
Chattel Mortgage
Suited to ownership-focused businesses. Own the asset from settlement, access GST input tax credits upfront, and benefit from fixed repayments. Best suited to operators with stable trading history and long-term asset retention plans.
Equipment Lease
Helps preserve liquidity during warehouse expansion phases. Lower monthly commitment than chattel mortgage. Well suited to automation, conveyor systems, and cold storage infrastructure where technology refreshes are expected.
Asset Refinance
Release equity from existing industrial assets - forklifts, racking, or processing equipment - to fund new capacity without external equity injection. Effective for established operators with significant unencumbered equipment.
For a full breakdown of finance options - chattel mortgage, equipment lease, and asset refinance - head to our equipment finance overview page.
Ready to put the right equipment to work?
Whether you're upgrading a forklift fleet, installing a racking system, or commissioning cold storage - we'll structure it properly from the start.
Speak to a WA warehouse finance specialistIndustry FAQs
What is the best finance structure for warehouse equipment in WA?
The right structure depends on your growth stage, asset type, and cashflow profile. Chattel mortgage suits operators seeking ownership and tax efficiency. Equipment lease suits businesses prioritising liquidity and technology flexibility. Habitat Capital models both before any submission.
Can forklifts, racking, and warehouse equipment be financed together?
Yes. Commercial facilities may include a range of equipment types. Bundling assets can simplify repayments and support a more comprehensive operational upgrade without staging each item separately.
Can I finance warehouse automation upgrades?
In many cases yes. Approval depends on asset type, integration complexity, and overall business position. Habitat Capital works with lenders experienced in financing automation and technology-enabled warehouse equipment in the WA market.
Can I finance used or older plant?
Often yes. Lenders assess asset age, condition, and configuration alongside business financials. Habitat Capital identifies the most suitable lender for the specific asset and business profile.
How does equipment finance affect my capacity to win future contracts?
Preserved liquidity and available credit headroom allow warehouse operators to expand capacity ahead of contract commitments. Businesses that fund infrastructure from cash reserves often find themselves constrained exactly when throughput demand increases.