ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
Equipment Finance
Equipment finance lets your business access the tools it needs now, while spreading the cost over manageable repayments.
Requesting a quote has no impact on your Credit Score.
What Is An Equipment Loan?
An equipment loan lets you purchase business equipment upfront while spreading the cost over time. You own the asset from day one, but it’s used as security—similar to a home loan.
It’s ideal for buying big-ticket items without draining your cash flow, as you make monthly repayments over an agreed period. Once the loan is repaid, the asset is fully yours—no strings attached.
More About Equipment Finance
Typical Uses
- Upgrading existing assets
- Making the most of government initiatives
- Expanding the business or product offering
- Preserving cash reserves for other priorities
Funding growth by increasing production or service delivery
Common forms of collateral
Eligible assets
- Heavy machinery
- Office equipment and supplies
- Cars, trucks, utes, and other commercial vehicles
- Medical and scientific equipment
- POS systems
- Furniture and fixtures
- Restaurant equipment
- IT equipment
- Gym equipment
Common Industries
- Construction
- Agriculture
- Hospitality
- Warehousing
- Transport and logistics
- Mining
- Medical and dental clinics
- Fitness studios
- Manufacturing
- Retail
Eligibility
You may be eligible for an equipment loan if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Typical Uses
- Upgrading existing assets
- Making the most of government initiatives
- Expanding the business or product offering
- Preserving cash reserves for other priorities
Funding growth by increasing production or service delivery
Eligible assets
- Heavy machinery
- Office equipment and supplies
- Cars, trucks, utes, and other commercial vehicles
- Medical and scientific equipment
- POS systems
- Furniture and fixtures
- Restaurant equipment
- IT equipment
- Gym equipment
Common Industries
- Construction
- Agriculture
- Hospitality
- Warehousing
- Transport and logistics
- Mining
- Medical and dental clinics
- Fitness studios
- Manufacturing
- Retail
Eligibility
You may be eligible for an equipment loan if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Get a Quote
Requesting a quote has no impact on your credit score.
The Benefits of Equipment Finance
Frees up cash flow.
Spread the cost of equipment over time and keep more cash in your business.
Existing debt isn’t a dealbreaker.
Lenders often focus on the value of the equipment rather than your current debt levels.
Eligible for tax benefits..
You may be able to claim immediate deductions under government initiatives.
Lower interest rates.
The equipment secures the loan, so interest rates are typically lower than unsecured options.
Unlock value from old equipment.
Selling existing equipment and financing new assets can boost cash flow without hurting operations.
Frees up cash flow.
Spread the cost of equipment over time and keep more cash in your business.
Existing debt isn’t a dealbreaker.
Lenders often focus on the value of the equipment rather than your current debt levels.
Eligible for tax benefits..
You may be able to claim immediate deductions under government initiatives.
Lower interest rates.
The equipment secures the loan, so interest rates are typically lower than unsecured options.
Unlock value from old equipment.
Selling existing equipment and financing new assets can boost cash flow without hurting operations.
Things To Consider Before Applying
Potential drawbacks to be aware of
- You're at risk of losing the asset if you don't keep up with repayments.
- The application process can be more complex than other loan types.
- Limited to businesses with suitable assets.
Questions to ask yourself
- Is my current equipment getting unreliable, hard to use, or outdated?
- Am I comfortable committing to a loan term of 3–7 years?
- What is my old equipment worth—and could I unlock value by replacing it?
- Can new equipment help me increase revenue or reduce costs?
At A Glance
MAXIMUM LOAN AMOUNT
NA
MINIMUM LOAN AMOUNT
$5,000
SPEED
Medium
INTEREST RATE
From 6.99%
MAXIMUM LOAN TERM
7 Years
MINIMUM LOAN TERM
3 Months
Requesting a quote has no impact on your Credit Score.
Potential Lenders
How To Apply For An Equipment Loan
STEP 1: Get a quote
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: Get approved
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 2: Get funded
Sign your finance documentation and receive funding. It is that simple.
Get a Quote
Requesting a quote has no impact on your credit score.
What Sets Us Apart
DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
You’ll need to interpret lender jargon and fine print yourself
How We Help Fuel Your Business Growth
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 20,000 Australian SMEs across every industry access $2.5+ billion in funding—supporting them through challenges and unlocking new opportunities.
Learn More About Equipment Finance
FAQ's
How does equipment finance work?
What are the requirements for equipment financing?
How long can I finance equipment?
How can I finance construction equipment?
Can I finance restaurant equipment?
What is a balloon payment?
Hear From Our Clients
This will be a short blurb about the Carpenter and his business and how financing helped his needs etc
Awards
Our milestones are a testament to the amazing people behind Valiant.
.webp)
