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Equipment Loan

Purchase business equipment now and pay over time — immediate equipment ownership with manageable repayments and flexible terms.
🎯 Best for when: The right machine pays for itself — but not if you wait.

Day 1

Equipment ownership

Flexible

Loan terms

The asset

Is the security
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🔒 Soft check only — won’t affect your credit score · ~2 minute application

What is an equipment loan?

Buy the machinery, tools or technology your business needs now and spread the cost over time. You own the equipment from day one — the asset itself acts as the loan security, keeping your property out of the picture.

Need gear to grow

Buy equipment now and own it from day one.

Don't want to tie up cash

Manageable repayments keep working capital free.

Uneven income

Repayments matched to how the asset earns.

Who it's for

  • Acquire costly equipment without the upfront cash drain
  • Maintain cash flow while investing in assets
  • Own your equipment from the start

Ready when you are

Apply in ~2 minutes. First offer within 24 hours. Funding in as little as 1–2 business days.
Apply now →
Soft check only · no hidden fees · declined elsewhere? Still apply.

Typical uses

Machinery & heavy equipment

Finance the big kit that does the work.

Tools & trade gear

Kit out the team without the upfront hit.

Technology & fit-outs

Fund tech, systems and fit-outs.

Upgrades &
replacements

Replace ageing gear before it costs you.

Fleet & plant expansion

Grow your fleet and plant as you scale.

Explore other products

Unsecured Business Loan

Fast, flexible funding with no asset security. Based on your trading performance — not property.

Up to $1M

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Secured Term Loan

Borrow against property or assets for larger amounts, lower rates and longer terms.

$10k – $1M+

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Business Car Loan

Chattel mortgage — own your business vehicle from day one, with potential tax advantages.

Flexible

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Line of Credit

Up to $1M on demand. Draw what you need — only pay interest on what you use.

80–90% of invoices

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Invoice Finance

Unlock 80–90% of unpaid invoices within 24 hours. Keep cash flowing without the wait.

80–90% of invoices

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Trade Finance

Spread the cost of bulk stock over 2–9 months. Unlock supplier discounts.

2–9 month terms

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Construction & Development

Staged drawdowns matched to your build — from small builds to major developments.

Project-sized

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