Finance Options · Comstel ICT · Australia Wide
Flexible Finance Options
Get the Technology You Need — Without the Upfront Cost
Comstel ICT offers flexible finance arrangements across our entire range — printers, phone systems, solar, EV charging, and ICT equipment. Spread the cost over predictable monthly payments, manage your cash flow, and deploy the technology your business needs today. Backed by specialist business finance providers with fast approvals and clear terms.
Fast Approvals
Flexible Terms
Simple Paperwork
No Hidden Fees
Printers & Copiers
Phone Systems
Solar & EV
ICT Equipment
Free Quote & Application
Tell us what you need. We'll quote the equipment and the finance together — one conversation, two answers.
Why Finance ICT & Energy
Deploy Today, Pay Monthly — Why Finance Makes Sense
Capital is precious for every Australian business. Tying up tens of thousands of dollars in printer fleets, phone systems, or solar arrays can starve other parts of your business of investment. Finance lets you deploy the technology you need now while keeping cash flow predictable and freeing capital for the things that grow your business.
Preserve Working Capital
Keep cash in the business for marketing, hiring, inventory, and growth opportunities — not locked up in equipment that depreciates.
Predictable Monthly Costs
Fixed monthly payments make budgeting simple and predictable. No surprise bills, no fluctuating costs — just one consistent line item.
Stay Current with Technology
Upgrade at end-of-term to the latest equipment instead of being stuck with outdated kit. Critical for technology that evolves quickly.
Tax-Effective
Finance payments are typically deductible as a business operating expense, depending on your structure. Talk to your accountant for specifics.
Immediate ROI
Solar, EV, and efficient printers often save more per month than the finance payment costs — positive cash flow from day one.
All-In-One Bundles
Combine hardware, installation, support, and consumables in a single monthly cost. One predictable figure covers everything.
Finance Across the Comstel Range
Four Finance Categories for Australian Business
Comstel offers finance across every major equipment category we supply. Each category has its own structure tailored to typical lifespans and use patterns — so a 5-year printer plan looks different from a 7-year solar plan or a 3-year phone-system upgrade cycle.
Printer & Copier Finance
Kyocera, Fujifilm, and Xerox devices on flexible payment plans. Includes installation, toner, maintenance, and support in one predictable monthly cost — effectively a fully managed print service.
- Devices from all 3 brands
- Installation included
- Toner & consumables included
- Service & maintenance bundled
- Upgrade options at end-of-term
Phone System Finance
Enterprise phone systems from Avaya, iPECS, and BizTel available on monthly payment structures. Spread the cost of hardware, installation, and setup without a large upfront investment.
- Avaya, iPECS, BizTel platforms
- Hardware & handsets included
- Installation & setup bundled
- Number porting included
- Predictable monthly cost
Solar & EV Finance
Commercial solar panels, batteries, and EV charging infrastructure available with finance arrangements. Reduce energy costs from day one while spreading the investment over the system's payback period.
- Commercial solar systems
- Battery storage
- EV charging stations
- Hybrid solar setups
- Often cash-flow positive day one
ICT Equipment Finance
Workstations, laptops, servers, networking, security cameras, and other ICT hardware on flexible finance terms. Refresh your fleet without disrupting cash flow.
- Workstations & laptops
- Servers & networking
- Security cameras & CCTV
- POS hardware
- Bundled with managed IT
PMFA Finance Portal
Specialist Business Finance, Made Simple
Comstel partners with PMFA (Professional Mortgage & Finance Australia) — specialist business finance providers who understand the realities of running an Australian business. Through PMFA, we deliver fast approvals, simple paperwork, and flexible terms across our entire equipment range.
What You Get
PMFA-backed finance arrangements designed specifically for Australian SMBs and growing businesses, delivered through Comstel.
- Fast credit decisions
- Minimal paperwork
- Flexible repayment terms (typically 12–84 months)
- Bundle hardware, install, and service in one payment
- End-of-term upgrade or buyout options
- Single point of contact at Comstel
Who Qualifies
Most established Australian businesses qualify. Eligibility depends on trading history, financial position, and the equipment being financed.
- Australian-registered businesses
- Sole traders, partnerships, companies, trusts
- Typically 1+ years trading history
- Both new and established businesses considered
- Most ICT and energy equipment eligible
- Tailored solutions for unique cases
How It Works
From Quote to Approval to Deployment — Five Simple Steps
1
Choose Equipment
Talk to Comstel about what you need — printers, phones, solar, IT. We design the solution and quote the equipment, install, and ongoing service.
2
Apply for Finance
Simple application through our PMFA portal. Most approvals happen quickly — typically within a few business days for routine deals.
3
Sign & Schedule
Once approved, you sign the finance documents and we schedule installation. No long delays between approval and deployment.
4
Deploy & Pay Monthly
Comstel installs the equipment, you start using it immediately, and your monthly finance payment kicks in. Service and support continue throughout the term.
Why Finance Through Comstel
One Partner for the Equipment, the Install, and the Finance
Single point of contact. Equipment quoted by Comstel, finance arranged by Comstel, install done by Comstel. One conversation, one team.
Specialist finance partners. PMFA-backed arrangements designed specifically for Australian businesses buying ICT and energy equipment.
Fast approvals. Most routine applications are decided within a few business days — no months of waiting around.
Bundled costs. Hardware, install, toner/consumables, service, and support all in one predictable monthly payment.
Flexible terms. Different equipment, different terms. Printers typically 3–5 years, solar 5–7 years, phone systems 3–5 years.
End-of-term flexibility. Upgrade to the latest model, buy out the equipment, or simply walk away — your choice.
Frequently Asked Questions
Common Questions About Comstel Finance
What types of equipment can I finance through Comstel?
Almost everything we sell is eligible — printers and copiers (Kyocera, Fujifilm, Xerox), phone systems (Avaya, iPECS, BizTel), commercial solar, batteries, EV charging stations, and ICT equipment like workstations, servers, networking, and security cameras. If you're unsure, just ask.
How quickly can I get approved?
Most routine applications are decided within a few business days. Larger or more complex deals may take longer if additional documentation is required, but we work to keep approvals fast and the paperwork minimal.
What documents do I need to apply?
For routine applications, expect to provide your ABN, basic business and director details, recent bank statements, and sometimes recent financial statements. For larger or more complex deals, additional documentation may be required.
What are typical finance terms?
Terms typically range from 12 to 84 months, depending on the equipment type and your preferences. Printers often run 3–5 years, solar systems 5–7 years, phone systems 3–5 years. Comstel matches the term to the equipment lifespan and your cash flow needs.
What happens at the end of the finance term?
Depending on the structure of your agreement, you typically have three options: upgrade to the latest model and continue with a new finance plan, buy out the equipment for an agreed residual value, or simply return the equipment and end the arrangement. We explain your options clearly upfront.
Can I include service and consumables in the finance?
Yes. One of the biggest advantages of finance through Comstel is the ability to bundle equipment, installation, ongoing service, and consumables (like toner) into one predictable monthly payment. This is particularly common for managed print services.
Are finance payments tax-deductible?
Generally, business finance payments are deductible as an operating expense, but the exact treatment depends on your business structure, the type of finance arrangement, and current tax rules. Comstel is not a tax advisor — talk to your accountant for advice specific to your situation.
Can I finance equipment for a new business?
In some cases, yes. PMFA considers both established and newer businesses, though approval criteria differ. For brand-new businesses, additional security or director guarantees may be required. Talk to us about your specific situation.
How do I get started?
Call 1300 070 747 or fill in our contact form. A real Comstel team member will respond the same business day. We'll quote the equipment you need and walk you through the finance options in one conversation.
Ready to apply for finance?
Tell us what you need. We'll quote the equipment, structure the finance, and walk you through the application — all in one conversation.
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