Business Equipment Loans for Any Operating Asset
Whatever your business needs to run — IT, tools, plant, vehicles or fitout — we structure the right loan against the asset and your cash flow. Single broker, multiple specialist lenders.
Subject to lender assessment and approval. ACL 384704.
Business Equipment Loans — Quick Guide
- Structures — chattel mortgage, finance lease, hire purchase, operating lease
- Term — 1–7 years depending on asset
- Loan size — from a few thousand to seven figures
- Auto-decisioning — common up to mid five figures
- Industries — all SME industries — generalist + specialist panel
- Tax — depreciation + interest deductible (confirm)
How Business Equipment Loans Work
A business equipment loan is the most common way SMEs fund operating assets.
Asset Secured
The asset secures the loan — keeping rates lower than unsecured.
- Lender registers PPSR security
- No real estate required
- Personal guarantee usually required for SMEs
Preserves Cash
Pay over time instead of one big upfront cash outlay.
- Cash flow stays available for working capital
- Match payment term to useful life
- Predictable monthly cost
Fast Decisions
Most equipment loans approve in days, not weeks.
- Auto-decisioning common
- Specialist lenders fastest
- Settlement often within a week of approval
Structures Match Use
Different structures suit different industries and accounting needs.
- Chattel mortgage — own the asset, claim GST
- Finance lease — fixed monthly cost, lender owns asset
- Operating lease — pure rental, return at end
When to Use a Business Equipment Loan
- Adding new vehicles, machinery or plant
- Replacing aging equipment to lift productivity
- Tooling up for a new contract or service line
- Spreading IT and AV refresh costs
- Funding tangible items inside a fitout
- Buying out an operating lease at end of term
Frequently Asked Questions
What can I use a business equipment loan for?
Any tangible operating asset your business uses — vehicles, trucks, trailers, machinery, plant, IT, AV, tools, fitout equipment, signage. The loan is secured by the asset itself.
How is a business equipment loan different from a working capital loan?
Equipment loans are asset-secured (lower rates, longer terms). Working capital loans are usually unsecured or cash-flow secured (higher rates, shorter terms). Big projects often use both — equipment loan for the gear, working capital for the soft costs.
How big can a business equipment loan be?
From a few thousand dollars on small tools up into seven figures on big plant, manufacturing and fleet deals. Auto-decisioning is fastest in the lower-mid range; larger deals get individually assessed.
Need a business equipment loan?
Speak with Jorden about which structure and lender fits the asset, your industry and your accounting setup.