We help you compare offers from multiple lenders and structure the right equipment loan for your business — whether you’re buying new, used, or refinancing existing assets.
✅ Borrow from $5,000 to $1M
✅ Flexible terms from 12 to 60 months
✅ Own or lease — with or without deposit
Equipment finance helps you purchase or lease the machinery, technology, or tools your business needs — without paying for it all upfront. Instead, you spread the cost over time through structured repayments.
Whether you’re buying new commercial kitchen gear, manufacturing machines, medical devices or heavy tools, we help you access the right product and lender for your specific needs.
✅ Buy or lease equipment without hurting cash flow
✅ Finance up to 100% of the purchase price
✅ Choose terms that match the equipment’s useful life
✅ Keep working capital free for growth
✅ Options to own the asset outright or return it at the end
✅ Tradies and contractors buying tools or machines
✅ Hospitality or retail businesses upgrading kitchen or POS tech
✅ Manufacturers buying new production equipment
✅ Medical and dental practices financing diagnostic or treatment gear
✅ Any business needing specialised equipment to operate or grow
You’re likely to be eligible if:
✅ You’ve been trading for at least 6–12 months
✅ Your business turns over at least $100K annually
✅ You are an Australian citizen or permanent resident
✅ You hold an active ABN or ACN
✅ You can provide a supplier quote or invoice for the asset
✅ You can share business bank statements and/or financial statements
📌 Not sure if you qualify? Let’s talk — we’ll guide you through your options.
Let us help you find the right equipment finance for your business — with support from real lending experts.
Business equipment finance costs vary depending on the type of finance, the lender and your business profile. Rates and fees are set by each lender, and we’ll walk you through all your options before you make a decision. Here’s what to expect:
Interest rates: From 7.95% p.a., based on asset type, age, and business profile.
Setup fee: Some lenders charge a documentation or origination fee (typically 1%–2%).
Monthly fee: Some lenders may charge a monthly account fee or equipment insurance.
Early repayment penalty: Some lenders allow it with interest savings; others may charge a fee.
We'll walk you through all the options - with no surprises.
If you have equipment finance offers from more than one lender, deciding which one is the best fit for your business comes down to more than the headline interest rate. You need to take into account the following details in reaching your decision:
1. Upfront deposit (if any)
2. Setup / establishment fees
3. Ongoing facility / account fees
4. Tax treatment and cashflow impact
5. Early repayment flexibility
6. End-of-term options (buy, return, extend)
7. Insurance and maintenance terms (if bundled)
8. Time to approval and funding
We do all the legwork for you — comparing offers, negotiating terms and helping you make a confident decision.
1️⃣ We assess your needs and gather your business profile information.
2️⃣ If you decide to proceed, we send you a Personal Privacy Consent for signature then ask you to provide required documents such as the equipment quote or invoice and bank statements and/or financials.
3️⃣ We analyse your business cashflow and shortlist the right-fit products and lenders based on your goals and profile.
4️⃣ We structure & present the deal to matched lenders for pre-approval.
5️⃣ Once we obtain pre-approval(s) we will discuss the available options with you in detail.
6️⃣ You choose the option you're happy with and we will kick-off a formal application with the lender.
7️⃣ If the lender approves the loan, they will send you the rates and key terms
8️⃣ If you are happy with the lender's offer, you sign the loan documents they send you
9️⃣ The loan funds will be paid directly by the lender to the supplier, or the existing lender if refinancing.
Most commercial-use equipment qualifies — including machinery, medical devices, kitchen equipment, POS systems, tools, electronics, and more. If it’s essential to your operations, chances are it’s financeable.
Yes, many lenders accept used or second-hand equipment — though rates may be slightly higher and terms shorter. We’ll help you find lenders that work with used assets.
With leasing, the lender owns the asset and you make regular payments to use it. You can return, extend or buy it at the end. Buying (via chattel mortgage or hire purchase) gives you ownership and lets you claim depreciation and interest on your tax.
Some lenders offer 100% equipment finance, while others may require a deposit (typically 10–20%). It depends on your credit profile, time in business, and the asset itself.
Approvals can happen within 24–48 hours, and most equipment loans settle within 2–5 business days, once documents are complete and signed.
Yes — but it depends on the structure. With a chattel mortgage or hire purchase, you can typically deduct interest and depreciation. With a lease, the full lease payments may be deductible. Speak with your accountant to confirm.
In many cases, yes. Some lenders allow early payout without penalty and even offer interest savings. Others may charge a fee. We’ll help you understand the terms before you commit.
We do not perform credit checks. However, lenders we present your deal to may conduct soft credit checks. If you choose to proceed to an application with a particular lender, the lender will run a full check.
Let us help you find the right equipment finance for your business — with support from real lending experts.
