Most Australian businesses can apply for business equipment finance — including sole traders, partnerships, companies, and ABN holders (even new ones).

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.

Yes. New businesses with an ABN and a plan can qualify, especially if you have relevant industry experience or projections.

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.

Usually, no extra collateral is needed — the equipment itself is used as loan security.

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.

Yes, business equipment finance can be used to fund fit-outs across a range of industries, including retail, hospitality, office spaces and IT environments.

Business fit-out finance is commonly used to cover the cost of setting up or upgrading commercial spaces. This may include shopfitting for retail stores, café or restaurant fit-outs, office furniture and workstations, as well as IT infrastructure such as computers, servers and networking equipment.

Lenders typically assess the overall value, purpose and resale potential of the assets being financed, and may structure the loan to include multiple components under one facility. This allows you to bundle equipment, furniture and technology into a single finance solution.

Whether you're launching a new business location or upgrading an existing space, Ausloans can help match you with lenders that support fit-out finance and structure the loan to suit your setup costs and cash flow.