Equipment Finance
Finance business equipment from 0K-$5M+ with flexible lease and loan structures for all commercial assets across Australia.
Commercial Equipment Finance for Businesses | Emet Capital
Asset Acquisition
Equipment Finance
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What is Equipment Finance?
Equipment finance enables businesses to acquire essential assets through loans or leases without large upfront capital outlays. This solution addresses businesses requiring machinery, vehicles, technology, or specialized equipment by spreading costs over time while preserving working capital. Equipment finance structures include finance leases, chattel mortgages, hire purchase agreements, and operating leases, each offering different ownership, tax, and cash flow implications tailored to business requirements.
Financing structures vary from full-payout leases where businesses eventually own equipment, to operating leases maintaining vendor ownership with usage rights. Security is typically the financed equipment itself, minimizing additional collateral requirements. Repayment terms align with equipment lifespan and business cash flow, from short-term technology refreshes to long-term heavy machinery financing. Tax treatment varies by structure, offering potential deductions and depreciation benefits depending on ownership arrangements.
Who This Service Is For
Equipment finance serves business owners, manufacturers, contractors, service providers, and companies across all industries requiring business assets. Construction businesses financing heavy machinery, hospitality operators acquiring kitchen equipment, medical practices purchasing diagnostic technology, and transport companies funding vehicle fleets all utilize equipment finance. SMEs preserving working capital, growth-stage businesses scaling operations, and established companies maintaining asset bases benefit from equipment financing solutions.
This is commercial and business-purpose lending only—no consumer finance is provided. Borrowers require appropriate business structures (ABN/ACN), demonstrated trading history or business plans, and capacity to service equipment repayments. Both new and established businesses benefit from equipment finance tailored to commercial lending requirements and operational asset needs.
How Emet Capital Helps
As commercial finance brokers, we provide access to over 50 lenders nationwide, including major banks, specialist equipment financiers, and alternative funders. Our lender relationships encompass traditional institutions and non-bank alternatives specializing in various equipment types and industry sectors. We match clients with lenders offering appropriate financing structures, competitive pricing, and terms aligned with equipment types, business cash flow, and tax planning objectives.
Key Features & Benefits
Loan Ranges & Terms
Suitable Use Cases
Machinery acquisition, vehicle fleets, technology equipment, manufacturing assets, medical equipment, hospitality assets, and construction machinery.
Flexible Security Options
Security is typically the financed equipment itself. Additional security may include property or business assets for larger facilities.
Streamlined Process
Efficient assessment and approval processes designed for equipment acquisition timelines. Broker expertise ensures appropriate structure selection and quick decision-making.
Eligibility & Next Steps
Eligibility requires business purpose (no consumer lending), appropriate business structure (ABN/ACN), demonstrated or projected capacity to service equipment repayments, and business financials or plans. Documentation includes equipment quotes, business financial statements, and tax returns. Security is primarily the equipment being financed, with additional security requirements varying by lender and equipment value.
To proceed, contact our team for an equipment finance assessment. We'll evaluate your equipment requirements, business cash flow, and tax objectives to identify optimal financing solutions. Our process includes structure recommendation, lender selection, and guidance through to equipment delivery and finance settlement.
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Guides & Resources
Explore our in-depth guides to learn more about this financing option before you apply.
Complete Asset Finance Guide
Comprehensive guide covering all forms of asset-backed business lending including equipment finance.
Read Complete Guide
Equipment Finance & Leasing
In-depth guide to financing equipment, vehicles, and machinery.
Read Guide
Working Capital Loans
Maintain operational cash flow while funding equipment purchases.
Business Acquisition Finance
Financing equipment as part of buying an existing business.
Related Services
Asset Finance
Comprehensive business asset and equipment funding
Learn More
Working Capital
Business operations and cash flow funding
Asset-Backed Lending
Business finance secured by commercial assets
Equipment Finance in Major Cities
Sydney
Melbourne
Brisbane
Perth
Adelaide
Gold Coast
equipment finance, asset finance, equipment leasing, business equipment loans, machinery finance
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What types of equipment can be financed?
Most commercial equipment including machinery, vehicles, technology, manufacturing equipment, medical equipment, hospitality assets, and construction equipment can be financed.
How fast can equipment finance be approved?
Approval timeframes vary based on equipment value and complexity. Simple equipment finance may approve within 24-48 hours, while larger or specialized equipment may require 3-7 days.
Are these solutions available Australia-wide?
Yes, equipment finance is available for businesses across all Australian states and territories through our national lender network.
Is this for business purposes only?
Yes, this is commercial lending for business equipment and asset acquisition only. Consumer finance is not offered.
Equipment Finance and Leasing Australia
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Asset-Backed Lending and Asset Finance
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