Low Rate Business
Equipment Finance
Today's lowest rate is 6.24% (Comparison 7.9%)
900+ Google Reviews 4.8/5
Chattel Mortgage
Hire Purchase
Low Doc Loan
Easy Applications
Same Day Approval
Award Winning Broker Car Finding Service Online Broker Since 2007
Access to Lenders
Business Equipment Financing Made Simple
Growing a business often means upgrading the tools that keep everything running. Whether you are expanding your workspace, replacing older machinery or taking on a new project, business equipment financing offers a practical way to access the equipment you need while keeping cash flow steady. Since 2007, 360 Finance has helped Australian businesses compare funding options, giving clients a clear pathway to secure equipment sooner and plan their upgrades with confidence.
Our Commercial Finance team supports businesses of all sizes. They draw on relationships with more than 60 trusted Australian bank and non bank lenders to find competitive solutions for business equipment loans, tailoring every recommendation to your goals, industry and long term plans.
How Business Equipment Finance Works
Business equipment finance allows you to purchase tools, machinery or fitouts and pay for them over a set term. Instead of covering the full cost upfront, you select a loan type that matches your cash flow and the equipment you need. Repayments can be scheduled across one to seven years.
You can compare structures such as Chattel Mortgage, Hire Purchase and Low Doc loans. Your specialist reviews your requirements, preferred terms and budget so you can choose a product that supports your current setup and future growth. Once approved, funds are released quickly so your project can move ahead without delay.
Benefits of Choosing 360 Finance
Through 360 Finance, you gain access to a broader selection of lenders than you would by approaching one bank. Businesses working with our team benefit from:
- Access to more than 60 Australian lenders
- Fast processing and same day approvals where possible
- Guidance from Commercial Finance Specialists
- Help across every stage, from planning to settlement
- Competitive rates that suit a wide range of operators
- Flexible terms and residual structures
These advantages help businesses secure equipment sooner, budget accurately and protect working capital for other priorities. It also supports those searching for commercial equipment financing options that adapt to growth and provide a clear repayment structure.
Equipment You Can Finance:
Funding is available for a wide selection of commercial tools and machinery used across many industries, including:
Warehousing machinery such as forklifts, packers and wrappers- Specialist industry equipment such as lathes, commercial printers and medical devices
- Office equipment including electronics, IT systems and multifunction printers
- Shop fitouts such as POS systems, freezer rooms and commercial kitchen appliances
Equipment Finance Options
Chattel Mortgage
A Chattel Mortgage is one of the most commonly used products for commercial equipment finance. You take ownership...
A Chattel Mortgage is one of the most commonly used products for commercial equipment finance. You take ownership of the asset at the time of purchase, which allows you to claim tax deductions on interest and depreciation in most cases. You can also claim GST on the purchase price if your business is registered.
Terms range from one to seven years with flexible residuals. This structure suits many operators who want predictable repayments and asset ownership from day one.
Hire Purchase
It’s all in the name with this loan type. A Hire Purchase or Commercial Hire Purchase is ‘hiring’ an asset with the intent...
A Hire Purchase, sometimes called a Commercial Hire Purchase, allows you to use the equipment while the lender retains ownership until the final payment. Tax treatment can differ from a Chattel Mortgage because the asset is not owned by the business during the loan term.
Terms range from one to seven years and can include a residual. This option works well for businesses that prefer steady repayments and a pathway to ownership without paying upfront.
Low Doc Loan
Low Doc (also known as No Doc, Self Dec, Lite Doc) requires little to no proof of the borrower’s financial position...
A Low Doc loan is designed for businesses that may not have full financial documents available. It suits start ups or operators who have strong performance but limited paperwork.
Approval considers factors such as the age of the business, the borrower’s background, the guarantor’s position and the equipment being funded. Terms range from one to seven years. This helps businesses who need equipment financing Australia but are not ready for traditional documentation requirements.
Competitive
We have access to some of the lowest industry car loan rates allowing us to be highly competitive and find your best rate finance.
Easy
We do the running around for you in comparing car loan options and rates from over 60 lenders.
Fast Approvals
We work hard to get your car loan approved fast. Same day approvals are available - ask us how!
Flexible Terms
We find and compare car loan options to find what best suits your needs and budget with flexible 1-7 year terms available.
Business Equipment Finance FAQs
What can I finance?
You can fund a wide range of commercial tools, machinery and fitouts used across many industries. This includes warehousing equipment, specialist machinery, office technology and full shop setups. If you are unsure whether your item qualifies, a Commercial Finance Specialist can check your requirements and confirm the options available.
How long are the loan terms?
Most equipment finance terms run from one to seven years. The right term depends on your budget, how long you plan to use the equipment and the structure that best supports your business. A specialist can help you compare different terms to see which one aligns with your cash flow.
Do I need full financial statements?
Not in every case. Some businesses can apply through Low Doc options designed for operators who do not have full financial records ready. Your specialist will review your situation and help you understand whether Low Doc or standard documentation is the best fit.
How fast can approval happen?
Once the required information is supplied, approvals can be completed on the same day in many cases. Quick processing can help you move ahead with purchasing equipment sooner and keep your project timeline on track.
Why use a broker instead of one bank?
A broker reviews options from more than 60 Australian lenders, giving you broader access to competitive rates, flexible terms and different loan structures. This helps you compare business equipment loans more efficiently and choose a solution that matches your needs rather than relying on a single lender’s products.
Start Building Your Business with the Right Equipment
If you are preparing to expand, upgrade or launch a new project, business equipment finance makes it easier to move forward with clarity and control. With access to a wide lender panel and support from experienced specialists, you can compare commercial equipment financing options that fit your plans and help your business grow.
If you are ready to explore commercial equipment finance, speak with a 360 Finance Commercial Finance Specialist today. Compare equipment financing Australia options from more than 60 lenders and begin planning your next upgrade.
We Work with the Most Trusted Aussie Lenders
Our lender network allows us to secure the best rates for you, every time.
See Why Customers Choose 360 Finance Again and Again
"...This is the third consecutive time I have got finance through 360 and once again they didn't disappoint..."
We believe in long-term relationships, not short-term transactions. With access to some of the lowest finance rates in the industry and 360-degree wraparound customer service and support, it's easy to see why customers keep coming back when it's time to upgrade.
Apply today with Australia's trusted online broker since 2007
Not sure how much you can borrow?
Get your quote now. It's fast, easy, and will not impact on your credit score!
What are my repayments?
How much can I borrow?
At today's lowest finance rate of 6.24%, you'll pay approximately...
per week
At today's lowest finance rate of 6.24%, you could borrow up to...
What Makes Us
Different?
Come for the rates. Stay for the service.
Useful Articles
-
Car Loan Repayments Explained: What Every Borrower Should Know
Car loans can be a practical solution if you’re looking to purchase a vehicle but don’t have the funds to pay for it upfront. They allow...
-
Is Caravanning part of your 2025 plan?
If caravanning is in your plans for 2025, then we have the guide to help you research the best options available to suit your budget and tra...
-
How to save on your car loan
If you’ve applied for a 360 Finance car loan, you may want to find ways you can save on the total costs in the long term, or simply make ...
-
How much should you save for a car loan deposit?
With numerous costs and fees involved with a car loan, you may be wondering whether you need a deposit, and how much that deposit should be...
-
6 ways to lower your debt
If you’re planning on buying a new car, something you should first consider is your existing debt. When getting a car loan, as well as...
-
10 commandments of building an emergency fund
When it comes to financing, you want to feel secure enough that if something unexpected crops up, you have the money to deal with it, witho...
-
How does car loan interest work?
When taking out a car loan, as well as making regular repayments to pay off the loan amount, you also need to pay interest on the loan. ...
-
Everything you need to know about business car loans
If you’re looking to invest in vehicles for your business, there are numerous options for business car loans. These include a chattel mor...
-
An easy-to-understand guide to novated leasing
When buying a vehicle, there are several financing options to help you afford the vehicle you need. Car loans can be a good option for m...
-
5 things to know about car loans before applying
Car loans can be a great option for people who need help buying the car they need. It offers a more affordable way of purchasing a vehicle ...
-
Top 10 caravan gadgets and upgrades
With international trips on hold for a while, there has never been a better time to explore our backyard. Australia is well known for it...
-
What is a car loan comparison rate?
There can be numerous rates involved with a car loan, and it’s important to know what each of them cover, to ensure you can get the best ...
Dreams Aren't Free, But They Can Be Affordable
"Yass helped me get a loan for my dream car...Very upfront and honest and got everything processed in 3 days."
Make your dreams a reality. At 360 Finance, our team does everything they can to help you secure your dream car quickly and in a way that works for your budget.
Apply today with Australia's trusted online broker since 2007