Asset & Equipment Money
Access between $5,000 and $150,000 to purchase or upgrade machinery, tools, technology and other essential business equipment, with minimal paperwork and a streamlined application process.
No credit check to see if you are eligibleEquip Your Business for Growth
The right equipment can make a real difference to how your business operates—whether you need a commercial oven, updated technology, specialised machinery or new workplace equipment.
SME Money helps Australian businesses explore flexible asset and equipment finance options tailored to their needs. With clear guidance, a straightforward process and access to a panel of lenders, we make it easier to fund essential purchases and keep your business moving forward.
Asset and equipment finance may be used for:
- Buying a new commercial oven for a café
- Upgrading excavation machinery for a construction or trade business
- Purchasing point-of-sale (POS) systems
- Financing warehouse racking or shelving
- Leasing a printing press or CNC machine
Apply Pre-Approvals Now
Get a head start on your business finance with fast, no-obligation pre-approvals.
Flexible options for any stage
Whether you’re just starting out or scaling up, we offer solutions tailored to your business needs.
Request a quote or get fast pre-approval
Choose what suits you—request a personalised quote or secure pre-approval in minutes.
Competitive products for growing SMEs
Access finance options designed to support and accelerate your business growth.
How to apply
A straightforward application process with clear support from start to finish.
- Apply in minutes
Complete your application quickly with minimal paperwork and no upfront property security required to access up to $150K from SME Online. - Get a fast decision
We’ll call you to explain the process and answer any questions
- Access your funds
Receive your funds within less than an hour from signing your loan documents
Calculate your repayments
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
No credit check to see if you are eligibleRepayments Calculator
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
Frequently Asked Questions
Asset and equipment finance may be used to purchase or upgrade machinery, tools, technology, commercial kitchen equipment, warehouse equipment and other essential business assets.
Asset and equipment finance may be available from $5,000 to $150,000. The amount available will depend on your business profile, the equipment being financed and the lender’s assessment criteria.
Finance may be available for both new and used equipment. For used equipment, lenders may consider its age, condition, value and expected working life.
- Identification for the business owners or directors
- Your ABN and business details
- Recent business bank statements
- Financial statements or BAS, where required
- A quote or invoice for the equipment
Requirements vary between lenders and finance products. Some options may not require property security, while others may require a deposit, guarantee or security over the financed equipment.
Assessment times vary between lenders. Providing complete and accurate information can help avoid delays. Once approved, documents are signed and all conditions are met, funds may be available in as little as one hour.
Some lenders consider applications from newer businesses. Eligibility will depend on factors such as trading history, revenue, credit profile and the supporting information available.
What our clients have achieved with their finance.
Learn More
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Ready to grow your business?
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
Get a Quote