In today’s competitive market, having the right tools and equipment can give your business a serious edge. Whether you’re a tradie, a café owner, or running a creative studio, staying competitive often means upgrading equipment. The challenge? Paying for it upfront can strain your cash flow. That’s where equipment finance comes in.

What Is Equipment Finance?

Equipment finance is a type of business loan specifically used to purchase tools, vehicles, machinery, or fit-outs. Instead of buying the asset outright, you spread the cost over time—keeping your cash available for day-to-day business needs.

What Can You Finance?

You can use equipment finance to purchase:

• Vehicles (utes, vans, trucks)

• Heavy machinery

• Tools and electrical gear

• Medical, fitness or beauty equipment

• Commercial kitchen appliances

• Office furniture and technology

• Fit-outs for cafés, salons, clinics or offices

If it’s essential to your business, there’s likely a finance option for it.

Benefits of Equipment Finance

• Preserve cash flow
  Don’t tie up large amounts of money on upfront costs.

• Flexible repayments
  Choose weekly, fortnightly or monthly options to suit your business income cycle.

• Tax deductions
  Depending on your structure, financed equipment may be eligible for tax offsets.

• Avoid outdated gear
  Financing makes it easier to stay up-to-date with the latest tools and tech.

• Fast approvals
  Many lenders offer streamlined applications, especially for low-doc or established ABNs.

Who’s Using It?

We work with a wide range of Sydney businesses, including:

• Tradies and builders

• Hospitality and food service

• Health and fitness professionals

• Mobile services

• Startups and small enterprises

Even if you’re self-employed or just starting out, equipment finance may still be an option.

The Loan Spot Approach

We understand that every business is different. That’s why we take the time to:

1. Understand your goals
   Whether it’s growth, efficiency, or replacement—we tailor the solution.

2. Compare real options
   We work with a variety of lenders to get you competitive deals, not cookie-cutter offers.

3. Move quickly
   When your business needs equipment now, we’re ready to get the ball rolling fast.

4. Support beyond the loan
   We’re not just here to secure funding — we’re here to support your business journey.

Complete the form below to receive your pre-approval in just 60 seconds. This service is free and will not affect your credit score.