Business Equipment Finance
Smart Funding for the Tools that keep your business moving
Power your business with tools that drive growth. VIM Capital helps you fund up to 100% of your equipment purchase – new or used, with flexible terms, fixed rates and options structured to keep your cash flow strong.
Powered through our 70+ lender network, we help Australian businesses finance essential business equipment without the upfront hit. From machinery to technology, we’ll provide you with access to flexible equipment finance that helps you scale smarter, faster and with confidence.
Funding growth. Fuelling ambition. That’s the VIM way.
Key takeaways
Flexible structure to suit your business size, financial position and growth requirements, both now and into the future.
Get the Tools, Plant, Equipment or Technology needed sooner with quick assessments, low doc options and minimal downtime.
Tap into a powerful national panel to secure sharper rates, better terms and gain expert support. Real guidance from a network built to help Aussie businesses scale with confidence.
What Is Business Equipment Finance?
Power your business with the tools that keep it moving.
Business Equipment Finance helps Australian businesses acquire the machinery, tools, or technology they need to operate and grow — without tying up valuable working capital.
You can fund up to 100% of the equipment cost (new or used), using the asset itself as security. With fixed interest rates, flexible repayment terms, and potential tax advantages (always check with your accountant), it’s one of the smartest ways to upgrade, expand, or modernise your business operations.
This finance solution is popular across industries — from established companies looking to scale efficiently to new start-ups investing in their first major assets.
Who Qualifies?
To be eligible for Business Equipment Finance, you generally need to:
- Hold an active ABN
- Be an Australian tax resident
- Use the equipment primarily for business purposes (over 51%)
Our specialists will walk you through the right structure for your needs, comparing flexible options like:
- Chattel Mortgage
- Operating Lease
- Finance Lease
- Hire Purchase
Book a discovery call with VIM Capital today — and find out how smart equipment finance can help your business work harder, faster, and smarter.
Get started
Let’s get the Commercial Asset Finance you are after.
Damian Van Raay
Director – Asset & Commercial Finance
Types of Equipment
Finance options
Loan Rates and Terms
- Machinery and Plant equipment
- Manufacturing and production equipment
- Construction & earth-moving equipment
- Medical, dental and specialist equipment
- IT systems, technology and office equipment
- Tools, Workshop gear and Commercial Appliances
Rates and terms vary depending on the equipment type, age, lender and your business profile.
To find out what options are available to you, speak with our VIM Capital lending team. We’ll walk you through competitive rates, flexible structures, and tailored solutions based on your unique business needs.
Commercial Lender Options
Why More Businesses Choose VIM Capital for Commercial Finance
Smarter Finance, Built for Business.
We’re not a bank — we’re business people who understand the grind. VIM Capital delivers commercial, asset, and property finance solutions built around your goals, not red tape.
Proudly Backed by VIM Cover.
Part of a group that empowers Australian business owners across insurance, finance, and support services — VIM Cover connects us with over 1,000 business relationships nationwide
Vitality, Integrity, Momentum.
We get deals done — quickly, clearly, and without surprises to keep your business moving. Speak directly with your finance specialist and get the clarity you need before you commit.
Your Equipment Finance Questions, Answered.
Equipment finance helps your business acquire the machinery, tools, or technology it needs without large upfront costs. Instead, you spread payments over time while your new equipment starts generating returns straight away.
Just about anything that keeps your business running — from manufacturing machinery and IT systems to construction tools, office equipment, and medical devices. If it’s essential for your operations, we’ll find a way to fund it.
You choose the equipment, and we arrange funding through our network of over 70 lenders. You make regular repayments over an agreed term, and depending on the finance structure, you may own the equipment at the end or upgrade to newer models.
A chattel mortgage gives you ownership of the equiment while the lender holds security over it. A lease allows you to use the equipment for a fixed period and potentially upgrade later. We’ll help you decide which option best suits your cash flow and business goals.
Yes — many lenders will finance pre-owned or refurbished equipment, especially when it’s in good condition and has reliable resale value. We’ll connect you with lenders who specialise in this type of funding.
Most terms range from 1 to 7 years, depending on the asset’s expected life and your repayment preferences. We tailor the term to align with your business cash flow and budget.
Not always. Established businesses can provide full documentation for sharper rates, but we also have low-doc and no-doc options for self-employed or growing businesses that prefer a faster, simpler process.
You’ll either own the equipment outright, pay a residual amount, or choose to upgrade, depending on your agreement type. We’ll help you plan the best end-of-term strategy before you sign the deal.
Often yes. Depending on your loan structure, you may be able to claim interest, depreciation, or lease payments as business expenses. Always confirm with your accountant to maximise your deductions.
Because we combine expertise, access, and flexibility. Backed by VIM Cover and powered by a panel of 70+ lenders, VIM Capital secures competitive equipment finance that helps Australian businesses invest, upgrade, and grow without slowing down.
Have a question? Just ask!
One of our lending specialists will be in touch
