Office, Technology & Professional Equipment
Computers, servers, printers, telecommunications equipment, security systems, AV equipment, fit-out technology and other assets used by professional and service-based businesses.
Business Equipment Finance
Finance the equipment your business needs to start, grow or get the job done without unnecessarily tying up the cash you need to run your business.
New or used equipment
Low-doc options
Multiple lenders
What is Business Equipment Finance?
Business equipment finance allows an Australian business to purchase the equipment it needs without paying the entire cost upfront. Instead, the equipment is funded over an agreed term with regular repayments, helping the business preserve working capital while putting the asset to work.
Equipment finance can be used for a wide range of new and used business assets, including medical equipment, commercial kitchen equipment, office and IT systems, manufacturing machinery, workshop equipment, gym equipment, printing equipment, solar systems and other specialised commercial assets.
Depending on the business, equipment and lender, finance may be structured as an equipment loan or chattel mortgage, finance lease or another commercial finance arrangement. Deposits, balloon payments and loan terms can also be adjusted to suit the business's cash flow and intended use of the equipment.
The important part?
There isn't one equipment finance structure that suits every business. A start-up buying its first piece of equipment can require a very different lender and structure to an established business replacing a $150,000 machine.
That's why we look at the business, the asset and the reason for the purchase before deciding where the finance should go.
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What Equipment Can We Finance?
Business equipment finance can cover far more than traditional machinery. If an asset has a genuine business purpose and an identifiable value, there is a good chance we can look at funding it.
We arrange finance for equipment used across professional services, healthcare, hospitality, manufacturing, retail, fitness and other Australian industries. This can include both new and used equipment and, depending on the lender, purchases through authorised suppliers, dealers, auctions and private sellers.
Some assets fit neatly within standard lender policies. More specialised equipment may require a lender that understands the industry, the expected useful life of the asset and how that equipment helps the business generate income.
Medical, Dental & Healthcare Equipment
Diagnostic equipment, dental chairs, imaging systems, treatment equipment, specialist devices and other equipment used by medical, dental and allied health practices.
Hospitality & Retail Equipment
Commercial kitchens, coffee machines, refrigeration, cool rooms, ovens, display equipment, POS systems and other equipment required to operate hospitality and retail businesses.
Manufacturing & Workshop Equipment
CNC equipment, fabrication machinery, compressors, hoists, welders, lathes, workshop equipment, production systems and other plant used to manufacture or repair goods.
Fitness & Recreation Equipment
Commercial gym equipment, reformers, recovery equipment, studio fit-outs and other specialised assets used by gyms, fitness studios and recreation businesses.
Specialised Business Equipment
Printing equipment, solar systems, cleaning equipment, laboratory equipment, specialised machinery and other commercial assets that do not necessarily fit into a standard finance category.
Can't see your equipment listed?
That's normal. There are thousands of different commercial assets we may be able to finance. Tell us what you're buying and we'll assess the equipment, supplier and business before working out which lenders are worth considering.
Equipment Finance for Different Business Situations
The right equipment finance structure often depends just as much on the business as it does on the asset being purchased. A newer business buying its first major piece of equipment can require a very different approach to an established business replacing an existing machine or expanding into a larger premises.
At Asset Finance Avenue, we look at why the equipment is being purchased, how the business operates, what information is available and which lenders are likely to understand the scenario before deciding how the application should be structured.
Starting or Growing a Business
Newer businesses are not automatically excluded from equipment finance. Depending on the lender, the strength of the applicant, the equipment being purchased and the amount required, finance may still be available even where the ABN or GST registration history is relatively short.
In these situations, lenders can place more weight on relevant industry experience, the applicant's credit profile, the amount of deposit being contributed and whether the equipment makes sense for the business. For an established business that is expanding, the focus may instead be on turnover, existing commitments and how the new equipment is expected to increase capacity or revenue.
Whether the business is opening its doors for the first time or adding another piece of equipment to keep up with demand, the goal is to structure the finance in a way that supports growth without unnecessarily draining working capital.
Replacing, Upgrading or Fitting Out
Equipment finance is commonly used when an existing asset has reached the end of its useful life, become unreliable or is simply holding the business back. Rather than paying the full replacement cost upfront, finance can allow the business to spread that cost over the period the new equipment is expected to generate income.
The same applies to fit-outs and upgrades. A hospitality business moving into a larger site may need kitchen equipment, refrigeration and point-of-sale systems. A medical practice may need treatment equipment, furniture and technology. A workshop may need hoists, compressors and diagnostic tools.
In many cases, keeping cash available for wages, stock, rent and day-to-day operating expenses can be just as important as securing the equipment itself. The finance structure should support that cash flow rather than work against it.
Used, Private Sale & Specialised Equipment
Not every business purchase comes from a major dealer or equipment supplier. Used machinery, private-sale equipment, auction purchases and specialised assets can all potentially be financed, but the lender may need to complete additional checks before proceeding.
This can include confirming ownership, validating the seller, checking serial numbers, reviewing the equipment's age and condition and making sure the asset still has an appropriate useful life for the proposed finance term.
Specialised equipment can also require more tailored lender selection. Some lenders are comfortable with highly specific medical, manufacturing, printing or industry equipment, while others prefer assets that are easier to value and resell. Matching the asset to the right lender can therefore be just as important as the strength of the borrower.
Before You Ask...
We've financed enough business equipment to know some of the assumptions that come up before an application even starts. Here are three worth clearing up.
Used equipment isn't automatically harder to finance.
Used equipment is financed every day. The important factors are generally the type of equipment, its age, condition, purchase price and expected useful life.
Different lenders also have very different appetites for older or specialised assets, which is why matching the equipment to the right lender can matter just as much as the strength of the borrower.
Full financials aren't always required.
A business doesn't necessarily need to provide two years of full financial statements before equipment finance can be considered.
Depending on the lender, amount, asset and overall strength of the business, low-doc or streamlined commercial applications may be available using alternative information to help assess the transaction.
Imperfect credit doesn't automatically mean no.
A past credit issue doesn't necessarily rule out equipment finance. What happened, how long ago it occurred, the amount involved and what the business looks like today can all matter.
Rather than assuming an application won't work, we'd rather understand the story first and determine whether there is an appropriate lender and structure worth considering.
That's why we don't start by asking which lender has the cheapest interest rate. We start by understanding the business, the equipment and what you're actually trying to achieve.
Recently Funded by AFA
Equipment finance can look very different from one business to another. Here are three recent examples of businesses we've helped fund, including what they were buying, why they needed it and how the finance supported the next stage of their business.
$140K
Commercial Printing Equipment
$140,000 Commercial Printer & Finishing Equipment
An established commercial printing business was looking to increase production capacity and reduce outsourcing costs by bringing more work in-house. The business identified a late-model wide-format printer and finishing equipment package valued at approximately $140,000 but wanted to preserve working capital for wages, consumables and day-to-day operations.
After reviewing the business and equipment requirements, we secured approval on a low-doc basis and arranged funding for the complete package. The new equipment allowed the business to expand its service offering, improve turnaround times and take on larger projects without impacting cash flow.
The outcome:
Low-doc approval for the complete equipment package while preserving working capital within the business.
$85K
Medical Equipment
$85,000 Specialised Medical Equipment
A growing healthcare provider required specialised treatment equipment as part of an expansion into new services. While the business was performing well, the owners preferred to preserve cash reserves rather than fund the entire purchase outright.
After reviewing the equipment and business details, we secured a finance solution that allowed the practice to acquire the equipment immediately while maintaining flexibility for future growth. The funding enabled the business to expand its service offering, improve patient outcomes and continue investing in the growth of the practice.
The outcome:
The practice acquired the equipment immediately while retaining cash reserves for future business growth.
$45K
IT Infrastructure
$45,000 IT Infrastructure Upgrade
An established professional services firm was undertaking a major technology upgrade across multiple office locations. The project included new servers, networking infrastructure, workstations and communications equipment to support a growing team and improve operational efficiency.
Rather than making a significant upfront capital expenditure, the business elected to finance the equipment and preserve working capital for ongoing operations. Approval was secured quickly, allowing the rollout to proceed on schedule and ensuring staff could transition to the new systems with minimal disruption to the business.
The outcome:
Funding was arranged quickly so the technology rollout could proceed on schedule without a large upfront capital expense.
Different equipment. Different businesses. Different finance requirements.
That's exactly why we assess the transaction before deciding which lender or finance structure makes sense.
Can My Business Qualify for Equipment Finance?
Yes, both established and newer Australian businesses may be able to qualify for equipment finance. Eligibility depends on factors including the business's trading history, ABN and GST registration, credit profile, equipment being purchased, amount required, available financial information and the lender's individual credit policy. Property ownership and two years of full financials are not requirements with every lender.
There is no single set of equipment finance requirements used by every lender. Some lenders are designed around established businesses with strong financial information, while others can consider newer businesses, low-doc applications, non-property owners or applicants with previous credit issues. The key is knowing which lenders are actually suitable for the situation before an application is submitted.
Established Businesses
Businesses with an established trading history will generally have access to the widest range of equipment finance options. Depending on the amount required, some lenders may offer streamlined assessment processes, while larger or more complex transactions may require financial statements or additional business information.
Existing business debt, turnover, cash flow and the purpose of the new equipment can all form part of the assessment. A strong business does not necessarily need to use its existing bank either. Comparing specialist commercial lenders can uncover different structures, approval policies and documentation requirements.
New Businesses & Short ABN History
A short ABN history does not automatically mean waiting one or two years before financing equipment. Some lenders can consider recently established businesses where the overall transaction makes sense.
Relevant industry experience can become particularly important. Someone who has worked in an industry for many years before starting their own business may present very differently to someone entering that industry for the first time. Credit history, the equipment being purchased, the amount required and any deposit available can also influence which lenders may consider the application.
Low-Doc Equipment Finance
Low-doc equipment finance can allow eligible businesses to apply without providing a complete set of financial statements and tax returns. It does not necessarily mean that no supporting information will be required.
Depending on the lender and transaction, assessment may instead use information such as ABN and GST history, business bank statements, accountant information, asset details or declarations about the business's financial position. Requirements vary significantly between lenders, so a low-doc application still needs to be matched to an appropriate credit policy.
Non-Property Owners
You do not necessarily need to own residential or commercial property to obtain business equipment finance. Property ownership can improve the range of lenders or policies available in some circumstances, but it is not a universal requirement.
For non-property owners, lenders may place greater emphasis on the business's trading history, credit profile, deposit, equipment type and amount being financed. Rather than assuming property ownership is required, we assess which lenders are comfortable with the complete transaction.
Past Credit Issues
Previous credit problems do not always prevent a business from obtaining equipment finance. The type of issue, amount involved, when it occurred and whether it has since been resolved can all influence how a lender views an application.
A missed payment several years ago is very different from a current unpaid default or ongoing financial difficulty. Where there is a credit issue, understanding the circumstances first allows us to determine whether mainstream, specialist or alternative lender options are worth considering.
Used & Private-Sale Equipment
Equipment does not always need to be brand new or purchased from a major supplier. Used equipment and private-sale purchases can potentially be financed where the asset and transaction meet the lender's requirements.
The lender may consider the equipment's age, condition, value and expected useful life. Private-sale transactions can also require additional checks to confirm the seller, ownership and asset details before funds are released. This is one reason lender selection can become particularly important with non-standard purchases.
Not sure where your business fits?
That's exactly what we're here for. Tell us about the business, what equipment you're buying and roughly how much you need. We can then look at which lender criteria your situation actually fits rather than trying to force the application into a standard box.
What Could Equipment Finance Cost Per Week?
The cost of equipment finance depends on how much you borrow, the loan term, interest rate and whether you choose to include a balloon payment. To put the numbers into perspective, here's what four common equipment purchases could look like over 60 months at a 10% interest rate with no balloon.
$50,000
Equipment Purchase
$245
per week
$100,000
Equipment Purchase
$490
per week
$150,000
Equipment Purchase
$735
per week
$200,000
Equipment Purchase
$980
per week
The structure can change the repayment.
These examples use a straightforward five-year structure with no balloon. Adding a deposit reduces the amount being financed, while including a balloon can reduce the regular repayments by leaving an agreed amount to be dealt with at the end of the term.
The right structure depends on more than simply achieving the lowest weekly repayment. How long you expect to keep the equipment, its likely value in five years and how much cash you want to keep available within the business can all influence the way we structure the finance.
Frequently Asked Questions
Business equipment finance can be used for a wide range of assets across many industries. Common examples include commercial printers, photocopiers, computers, servers, phone systems, office furniture, shop fit-outs, signage, medical equipment, dental chairs, laser systems and specialised industry equipment. Finance may be available for both individual assets and larger projects involving multiple items. The suitability of the equipment and available finance structures will vary between lenders, however many businesses use equipment finance as a way to acquire the assets they need while preserving cash flow for day-to-day operations and future growth.
Yes. Many lenders will consider finance for both new and used business equipment. The age, condition, value and suitability of the equipment may influence the available options and lender requirements. Businesses often purchase quality used equipment as a cost-effective way to expand capacity without the higher cost of brand-new assets. Whether you’re purchasing a used commercial printer, medical device, office fit-out or other business equipment, finance may still be available subject to lender criteria and the details of the asset being purchased.
In many cases, yes. Finance may be available for equipment purchased from private sellers, not just equipment supplied through dealerships or vendors. Private transactions can sometimes require additional verification, such as ownership checks, invoices and confirmation of the equipment’s condition and value. Asset Finance Avenue regularly assists businesses purchasing equipment through private sales and can help coordinate the process from approval through to settlement. Whether the equipment is located locally or interstate, we can explain the available options and help simplify the transaction.
Potentially. While some lenders prefer established businesses, others may consider newly established businesses and start-up ventures. Factors such as industry experience, business plans, work contracts, deposits and the overall strength of the application may all be taken into account. Many businesses require equipment before they can generate revenue, and some lenders understand this. Whether you’re launching a new printing business, medical practice, retail store or professional office, our team can assess your circumstances and help explore the finance options that may be available.
Deposit requirements vary depending on the equipment being purchased, the lender involved and the applicant’s circumstances. In some situations, finance may be available with little or no deposit, while other transactions may require a contribution from the borrower. Factors such as the age of the equipment, purchase price, business history and overall application strength can all influence the lender’s requirements. Our team can explain the options available and help structure a finance solution that aligns with your business objectives and cash flow requirements.
Yes. Many businesses finance multiple assets as part of a single transaction. This may include a combination of equipment such as computers, printers, office furniture, signage, medical devices or other business assets. Financing multiple items under one facility can simplify administration and provide a more streamlined funding process. Whether you’re undertaking a complete office fit-out, opening a new location or expanding your operations, we can help assess the equipment requirements and explore suitable funding options with our panel of lenders.
Approval timeframes vary depending on the lender, the complexity of the application and the information provided. Straightforward applications can often be assessed quickly, while larger or more specialised transactions may require additional review. Providing supporting information such as equipment quotes, business details and financial information can help streamline the process. Asset Finance Avenue works closely with lenders to help keep applications moving efficiently and minimise unnecessary delays, allowing businesses to acquire the equipment they need as quickly as possible.
A broker can compare multiple lenders and help identify options that may suit your circumstances, rather than only having access to 1 option
Explore Business Equipment By Asset Types...
We help Australian businesses finance a wide range of commercial equipment. Some of the most common equipment finance areas we assist with include:
Commercial Printer Finance
Finance for wide-format printers, digital presses, finishing equipment and commercial printing machinery.
Medical Equipment Finance
Funding for treatment equipment, diagnostic technology, dental equipment and specialised healthcare assets.
IT Equipment Finance
Finance for computers, workstations, networking equipment, communications technology and business IT upgrades.
IT Server Finance
Funding for servers, data infrastructure, storage systems and technology used to support growing businesses.
Office Fit-Out Finance
Finance for office furniture, workstations, technology, communications equipment and commercial fit-outs.
Photocopier Finance
Finance options for commercial photocopiers, multifunction printers and document management equipment.
Ready to Talk About Your Equipment?
Tell us what you're looking to buy and a little about the business, or book a time to speak directly with an Asset Finance Avenue equipment finance broker.
Tell Us About the Equipment
Already found the equipment, or still working through the numbers? Send us the details and we'll look at the purchase, business and available finance options.
Prefer to Talk It Through?
Book a 15-minute call at a time that suits you. This can be particularly useful if the equipment is specialised, the business is newer, or you're not sure which finance approach fits.
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Every finance application is different. Examples are provided as general case studies only. Approval is subject to lender criteria and individual circumstances.
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