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

1

Tell Us What You Need

Describe the equipment — type, value, new or used, and your business details.

2

Instant Matching

Our AI compares 40+ lenders to find the best match for your equipment and business.

3

Simple Comparison

Review clear, jargon-free finance options with transparent rates and terms.

4

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 more

Finance Lease

Lower monthly costs with a residual value. Return or buy the equipment at end of term.

Learn more

Hire Purchase

Fixed payments leading to ownership. Simple and predictable for budgeting.

Learn more

Operating Lease

Use equipment without owning it. Great for items you will upgrade regularly.

Learn more

Low-Doc Finance

Minimal paperwork for established businesses. Fast approvals based on ABN and bank statements.

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Refinance

Release equity in equipment you already own to fund other business needs.

Learn more

Key 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

Australian business with a valid ABN
ABN registered for 6+ months
All industries and business types
New and used equipment accepted
Minimum finance amount $5,000
Options available for startups

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.

Find Your Best Finance Option

Compare rates from 40+ lenders quickly. No obligation, no credit check.

Frequently Asked Questions

Related Finance Guides

Ready to Get Started?

Choose your finance path first, then complete the guided application when you're ready.

No obligation. No credit check. Get your options quickly.

Flash Funding

Broker-guided personal and business finance support with lender matching, structured applications, and clear next-step guidance.

40+ lendersFast approvalsNo credit impact quote
02 7238 6211hello@flashfunding.loan Australia-wide service coverage

Authorised Credit Representative

Credit Guide & Privacy (PDF)

Flash Funding is a trading name of Flash Funding Group Pty Ltd ABN 17 698 240 578. Flash Funding Group Pty Ltd is an Authorised Credit Representative 578970 of Australian Credit Licence 414426, AFAS Group Pty Ltd ABN 12 134 138 686.

Important Information & Disclaimer

All applications are subject to the credit provider's credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply.

Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

Your interest rate may be different and is based on a number of factors, including your credit history, the information you provide and our assessment of your application. We'll confirm your interest rate upon submission of your application.

WARNING: Comparison rates apply only to the example(s) provided. Different amounts and terms will result in different comparison rates. Costs such as redraw or early repayment fees are not included but may influence total loan cost.

© 2026 Flash Funding Group Pty Ltd trading as Flash Funding. All rights reserved. ABN: 17 698 240 578