Operating Lease.
You need the equipment in service, not the depreciation risk on your books. An operating lease gives your business access to vehicles, machinery, and technology with fixed payments and no ownership obligation - return it at term end, upgrade to the latest model, or extend. Co-Pilot Finance & Insurance sources the right structure across 60+ lenders.
Get a free quote
Won't affect your credit score.
What can we help you with?
Our Solutions
Operating lease solutions - vehicles, equipment and technology for Australian businesses
Vehicles, equipment, tech or industrial assets - we structure the lease and negotiate the terms.
Equipment Leasing
The machinery you need without the upfront hit - and at term end, hand it back or upgrade.
Vehicle Leasing
One car or a whole fleet - lower monthly cost, and the flexibility to resize as the business changes.
Technology Leasing
Computers, servers and devices on lease - obsolescence becomes the lessor's problem, not yours.
Office Equipment Leasing
Copiers to furniture - a functional, modern workspace without capital parked in depreciating kit.
Medical Equipment Leasing
Medical and diagnostic equipment without the purchase cost - clinical standards kept, capital freed.
Industrial Equipment Leasing
Heavy machinery for large-scale operations - all the capacity, none of the ownership risk.
Run The Numbers
Calculate your operating lease repayments
Enter your loan details
Estimated repayment
$1,894.05 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Asset Types
What assets can you lease - and which benefit most from an operating lease
Best suited to assets that depreciate fast or need regular upgrades - anything where carrying ownership risk doesn't make sense.
Eligibility Requirements
How to Apply
How to get an operating lease - from first call to asset delivery
The application is straightforward - we run it from first enquiry through to asset delivery.
Tell us what you need
Let us know the assets, quantities, and term length your business requires.
We source your best options
We go to 60+ lenders and lessors to find the most competitive structure for your asset type.
We manage your application
We prepare your file, handle lender communication, and keep you updated throughout.
We finalise your terms
We negotiate the payment structure, residual, and end-of-term options on your behalf.
Take delivery and put it to work
Assets delivered and in service - with ongoing support for the full lease term.
Key Benefits
Operating lease benefits - why businesses choose to lease instead of buy
Cost-Effective Asset Acquisition
Use high-value assets without the upfront cost - your capital stays free for growth.
Flexibility to Upgrade
Swap or upgrade equipment as needs change - you're never stuck with yesterday's gear.
Tax Benefits
Payments are generally fully tax deductible as a business expense - confirm the treatment with your accountant.
Preserve Capital
Money not spent buying assets is money for staff, stock and expansion.
Maintenance and Support
Maintenance and support are often bundled in - one fixed cost, no surprise repair bills.
Operational Efficiency
The gear to run at full capacity, without waiting until you can afford it outright.
Why Co-Pilot
Why Co-Pilot for operating lease - not just any broker
We work for you, not the lender
Co-Pilot is an independent broker. We're not aligned with any single lessor - so we find the structure that suits your business, not the one that suits our margins.
Lender relationships that open doors
With access to 60+ lenders and lessors, we can place deals that direct applications miss - especially for specialist asset classes or businesses with complex structures.
Honest advice on operating vs. finance lease
The difference between these two structures has real tax and balance sheet consequences. We tell you which one actually fits before you sign - not after.
Clear communication, no surprises
We keep you informed at every step. You'll know what's been submitted, what's been approved, and what the terms mean - before you commit to anything.
Hear What Our Clients Are Saying
“I had an outstanding experience with Kristy and Joanne Xie throughout the finance process for my new BYD Shark 6. From start to finish, they were professional, responsive, knowledgeable and genuinely committed to finding the best outcome for me. They made what can often be a stressful process feel smooth and straightforward, keeping me informed every step of the way and always taking the time to answer my questions. Their communication, attention to detail and customer service were exceptional. Even when timelines were tight, they worked hard behind the scenes to ensure everything was settled efficiently and without hassle. I highly recommend Kristy and Joanne Xie to anyone looking for vehicle finance. Their dedication, expertise and willingness to go the extra mile made all the difference. Thank you both for your amazing support and for helping me get into my new BYD Shark 6! — Tanvir Abdullah 🚗⭐️⭐️⭐️⭐️⭐️”
Tanvir Abdullah
FAQ
Operating lease FAQ - common questions answered
Need the asset without the ownership risk?
Tell us what your business needs to run. We'll find the right operating lease terms across 60+ lenders and get it delivered.
No impact to your credit score