What is Business Equipment Finance?
What is Business Equipment Finance, and how can it support your growth?
Whether you're a tradie, farmer or small business owner, having access to the right tools and equipment is essential to staying competitive. From trucks and excavators to commercial refrigerators and office tech, these investments can be costly, but they don't have to put pressure on your working capital.
That's where Business Equipment Finance comes in.
What is a Business Equipment Finance Loan?
A Business Equipment Loan is a type of asset finance that helps you acquire essential tools, vehicles and machinery, without having to pay the full amount upfront.
Instead, you spread the cost over time through manageable monthly repayments. In most cases, the equipment your purchasing is used as security for the loan, meaning you don't need to risk your home or other personal assets.
What Can you Finance with Equipment Loans?
Almost anything with a serial number or residual value can be financed! At RLA Finance, we help businesses access funding for a wide range of equipment, including:
Work Vehicles
- Fleet Vehicles
- Utes
- Trucks
- Trailers
Civil Construction Equipment
- Excavators
- Loaders
- Graders
Farm & Agricultural Machinery
- Tractors
- Harvesters
- Irrigation Systems
Professional, Medical & Office Equipment
- IT Systems
- Office & Medical Fit outs
- Salon & Beauty Equipment
Manufacturing & Commercial Equipment
- Printing
- Refrigeration & Catering
- Auto Repair Equipment
This is just a snapshot of what we finance, for the full list visit our What We Finance page, or get in touch to chat with our team about your specific needs.
Whether you're upgrading outdated assets or expanding to meet growing demand, Equipment Finance you the flexibility to move your business forward.
Why Finance Instead of Paying Outright?
There are several key advantages to financing equipment rather than purchasing it outright:
Preserve Cash Flow
Keep your working capital available for operational needs, payroll, or unexpected expenses.
Stay up-to Date
Upgrade or replace outdated assets without large upfront costs.
Tax Benefits
Depending on the structure, repayments and depreciation may be tax-deductible.
Flexibility
Choose finance terms that align with your seasonal cash flow or project cycles.
Boost Purchasing Power
Afford better quality or higher capacity equipment that supports long-term productivity.
Why work with a Finance Broker for Equipment Loans?
It might be tempting to go directly to your bank, but an independent Finance Broker can give your business an edge:
- Access to multiple lenders, not just one product or interest rate
- Tailored structuring based on your balance sheet, cash flow, and tax strategy
- Faster turnaround on approvals and settlements
- Expert negotiation to secure better rates or flexible terms
- Support with upgrades, early payouts and refinancing down the line
Think of a broker as your long-term finance partner, someone who understands your goals and works with you across multiple transactions as your business evolves.
Looking to Finance your next Equipment purchase?
If your business is growing, the right equipment can help take it to the next level, but how you finance that equipment can make just as much of an impact as the asset itself.
Equipment Finance gives established businesses the flexibility to invest without compromise, improve cash flow and stay competitive in today's fast-moving market.
At RLA Finance,
- We work for you: Comparing lenders, doing the legwork, and meeting when it suits you to help you find the right loan with more options.
- We do the hard work: Comparing a range of loans using our market knowledge to find options that suit you, then we decide together.
- We support you through the whole process: From finding the right finance to handling paperwork, managing the application and following it through to approval.
Operating for 30+ years, with dedicated experience in Equipment Finance brokering, no matter your personal or business goals, we have got you covered and are committed to you for the long haul!