Business equipment finance is available to a broad range of Australian businesses — from sole traders and partnerships to registered companies. Whether you're an established business or just starting out with a new ABN, you may be eligible. Lenders offer solutions for applicants with both full financial documentation and low-doc applications, depending on the equipment and loan amount. This flexibility makes it easier for small businesses and startups to access the tools they need to operate and grow.
Finance is available for both new and used business equipment across various industries, including but not limited to construction, medical, retail, IT, hospitality, and professional services. If you're looking to finance business essentials like tools, machinery, technology, or fit-outs — and you have an ABN — you’re likely eligible to apply.

Many lenders on our panel offer equipment financing for new businesses, even if you’ve only recently registered your ABN. Start-up business finance is assessed differently — lenders may look at your professional background, the viability of your business plan, and projected revenue rather than trading history alone. If you're launching a new venture and need equipment to operate, we can match you with finance options that suit your profile and support your growth goals.

In most cases, business equipment loans are secured against the equipment you’re financing. This means there’s no need to offer additional assets such as property or cash reserves. This structure makes qualifying easier and reduces the risk compared to unsecured loans. If you're buying valuable equipment — like medical machinery, IT systems, or construction tools — the asset itself acts as the collateral, giving lenders confidence while keeping things simple for you.

Having a less-than-perfect credit history doesn’t automatically disqualify you from securing business equipment finance. At Ausloans, we work with a panel of lenders who specialise in supporting applicants with poor or limited credit profiles — including start-ups and small businesses. These lenders assess a broader picture, including your business potential, industry experience, and income stability. If you’ve had defaults or missed payments in the past, there are still options available to help you finance the equipment you need to grow your business.

Absolutely. Ausloans offers an easy-to-use Business Equipment Loan Calculator that gives you quick repayment estimates based on your loan amount, interest rate, and preferred term. It’s a great way to plan your budget and see how different factors affect your repayments — especially helpful for small businesses managing tight cash flow. You can try it before applying and get a clearer idea of what your finance solution may look like.