Preserve cash flow
Avoid tying up working capital in one upfront equipment purchase.
Machinery, tools and business assets
Equipment Finance for Australian Businesses
Finance eligible equipment for your business while preserving cash flow for wages, suppliers and day-to-day operations.
Equipment finance
What is equipment finance?
Equipment finance helps Australian businesses purchase, replace or upgrade business assets without paying the full cost upfront. It may be used for machinery, tools, vehicles, office equipment, technology, fit out items and other eligible assets.
The equipment itself may be considered as part of the finance structure, depending on the lender and product. This can help align repayments with the useful business life of the asset.
Loanster can help you start an equipment finance enquiry and understand what information may be needed, such as supplier quotes, invoices, asset details, ABN information and bank statements.
Equipment finance is funding used to buy or lease eligible business equipment in Australia, subject to lender approval and asset suitability.
How it works
Compare the details before you apply
Use these points to understand the loan purpose, likely documents, lender criteria and repayment fit before moving ahead.
Replace old assets
Upgrade unreliable tools, machinery, vehicles or office equipment.
Support growth
Finance assets that help the business take on more work or improve productivity.
Why finance equipment instead of paying upfront?
Paying cash for equipment can reduce working capital. Finance may help preserve cash for stock, wages, BAS, suppliers and day-to-day operating expenses.
Equipment finance may also help a business replace unreliable machinery, reduce downtime, accept more work or improve efficiency without waiting until enough cash is available.
The right structure depends on the asset, business position, loan term, tax considerations and lender requirements. Businesses should obtain accounting advice where tax treatment matters.
New and used equipment finance
Some lenders may finance both new and used equipment, provided the asset, age, condition and supplier details are acceptable. Private sale purchases may require additional verification.
Lenders may consider whether the equipment is essential to the business, how it will generate income, and whether the requested term suits the asset's useful life.
Documents may include supplier invoices, quotes, ABN details, identification, bank statements and other business information.
Trust and process
Clear, secure finance enquiries
Loanster keeps the enquiry process straightforward: no credit check to enquire, a real person looks at your situation, and your details are not sprayed out to a pile of lenders.
Secure online enquiry
Personal details are submitted through a secure form and are not sent through URL query strings.
Australian business context
Enquiries can include ABN, BAS, ATO, bank statement and asset details where relevant.
Lender criteria apply
Approval, pricing, loan amounts and funding times depend on lender assessment.
Clear next steps
Loanster helps identify what information may be needed before a lender can make a decision.
Common questions
Equipment Finance FAQs
What equipment can be financed in Australia?
Eligible assets may include machinery, tools, vehicles, technology, office equipment and some fit out items, subject to lender criteria.
Can used equipment be financed?
Some lenders consider used equipment, depending on age, condition, supplier, value and business use.
Do I need a quote before applying?
A quote or invoice can help lenders assess the asset and loan purpose, although initial enquiries can often begin with basic details.
Related finance options
Explore connected Loanster pages
Asset Finance Australia
Explore asset finance options for Australian businesses purchasing equipment, vehicles, machinery or other income-producing assets.
Commercial Vehicle Loans
Finance eligible business vehicles such as cars, utes, vans and trucks with options suited to Australian business use.
Business Loans Australia
Explore business loan options for Australian businesses that need cash flow support, growth funding or asset finance, subject to lender approval.
All equipment loan options
See every equipment loan page on Loanster in one place.
Start your enquiry
See what you may qualify for
Tell Loanster what kind of finance you are looking for and the team will guide you through the next step. Please fill in the form accurately so we can match you first time. Finance is subject to lender approval, eligibility criteria, terms and conditions.
Prefer to talk? Call 03 9999 7370.
Last reviewed: 10 November 2026
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