Business Equipment Finance Australia
Finance the equipment your business needs to grow.
Every business needs equipment to operate. Flash Funding helps Australian businesses of all sizes finance the equipment they need — from cafe fit-outs to gym equipment, office technology to salon chairs. Compare 40+ lenders instantly.
Start with the best matching product path, then continue via the secure customer portal.
Equipment Finance for Every Australian Business
Equipment is what turns a business idea into a working enterprise. A cafe needs espresso machines. A gym needs weights and cardio equipment. A salon needs treatment chairs. A landscaper needs mowers and blowers. Whatever your business, the right equipment is essential to earning revenue.
Flash Funding provides business equipment finance for every industry and every asset type. We help small businesses purchase their first essential equipment, and we help established enterprises upgrade or expand their capabilities.
Our network of over 40 lenders ensures competitive rates for all equipment types. Unlike going to your bank (which may not understand your specific equipment), we match you with lenders who specialise in your industry and asset type.
- Commercial kitchen and cafe equipment
- Gym and fitness equipment
- Salon, spa, and beauty equipment
- Office furniture and fit-outs
- Cleaning and facilities equipment
- Retail fixtures and displays
- Photography and video equipment
- Laundry and dry cleaning equipment
Small Business Equipment Finance Made Simple
We know that small business owners are busy running their businesses, not filling out finance applications. That is why we have made business equipment finance as simple as possible with Flash Funding.
Our Apply Now takes your details, matches you with the best lenders, and presents clear options in minutes — not days. No jargon, no hidden fees, and no pressure. Just transparent finance options tailored to your business.
Whether you are a startup needing your first equipment or an established business upgrading, we make the process fast, fair, and straightforward. Many applications are approved within 24 hours, and some within the same day, depending on the applicant, the lender’s credit criteria and the type of loan.
How It Works
Tell Us What You Need
Describe the equipment — type, value, new or used, and your business details.
Instant Matching
Our AI compares 40+ lenders to find the best match for your equipment and business.
Simple Comparison
Review clear, jargon-free finance options with transparent rates and terms.
Get Equipped
Fast approval and simple paperwork. Get your equipment and start earning.
Finance Options Available
Chattel Mortgage
Own equipment from day one. Claim GST and interest deductions. Most popular for ABN holders.
Learn moreFinance Lease
Lower monthly costs with a residual value. Return or buy the equipment at end of term.
Learn moreOperating Lease
Use equipment without owning it. Great for items you will upgrade regularly.
Learn moreLow-Doc Finance
Minimal paperwork for established businesses. Fast approvals based on ABN and bank statements.
Learn moreKey Benefits
Fast Decisions
Many applications approved within 24 hours, depending on the applicant, the lender’s credit criteria and the type of loan.
From $5,000
Finance equipment purchases from as little as $5,000.
All Equipment Types
If it is used in your business, we can probably finance it.
Simple Process
Easy application. Clear options. Fast settlement. No jargon.
Eligibility Requirements
Example Finance Scenario
A new specialty coffee roastery in Melbourne needs to finance a commercial roaster, grinders, espresso machines, and cold brew equipment.
Total Value
$85,000
Term
4 years
Monthly Repayment
~$2,050
Balloon/Residual
15%
Example only. Actual rates depend on your business profile. Use our Apply Now for a personalised quote.
Frequently Asked Questions
Related Finance Guides
Asset Finance
Equipment Finance
Finance any business equipment with competitive rates from 40+ lenders.
Learn moreTruck Finance
Fast truck finance for prime movers, rigids, tippers, and trailers.
Learn moreMachinery Finance
Finance heavy machinery and industrial equipment Australia-wide.
Learn moreConstruction Equipment Finance
Excavators, loaders, cranes — financed fast for builders and contractors.
Learn morePlant & Equipment Finance
Finance for all plant and equipment across every industry.
Learn moreCommercial Vehicle Finance
Finance for vans, utes, buses, and fleet vehicles.
Learn moreFinance Structures
Chattel Mortgage
Own assets from day one. Claim GST upfront. Most popular structure.
Learn moreFinance Lease
Lower repayments with flexible end-of-term options.
Learn moreOperating Lease
Use equipment without ownership. Upgrade at end of term.
Learn moreHire Purchase
Fixed payments with guaranteed ownership at end of term.
Learn moreAsset Refinance
Release equity in assets you own. Lower payments or access cash.
Learn moreFinance Tools
Equipment Finance Calculator
Estimate monthly repayments for equipment purchases.
Truck Finance Calculator
Calculate truck loan repayments instantly.
Lease vs Buy Calculator
Compare the true cost of leasing versus buying.
Asset Refinance Calculator
See how much you could save by refinancing.
Complete Equipment Finance Guide
Everything you need to know about equipment finance in Australia.
Finance Across Australia
Asset Finance Sydney
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Open guideAsset Finance Melbourne
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Open guideAsset Finance Canberra
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Open guideAsset Finance Hobart
Truck, equipment and vehicle finance for Hobart businesses.
Open guideAsset Finance Darwin
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Open guide