Equipment Finance
Finance the equipment your business needs to operate efficiently, increase productivity and pursue new opportunities.
Get the equipment you need to keep growing
The right equipment can help your business improve output, serve customers more effectively and remain competitive. WiseChoice Financials provides equipment financing options for eligible businesses looking to acquire, upgrade or replace essential business assets.
Whether you need machinery for production, specialist tools for daily operations or technology to improve efficiency, we can review your requirements and assess suitable financing options.
Start Your ApplicationEquipment financing at a glance
- Financing for eligible business equipment purchases
- Options for new or replacement equipment
- Funding assessments based on business requirements
- Potential secured or unsecured arrangements, subject to assessment
- Terms and costs explained before commitment
Equipment for different industries
Financing may be considered for a range of business equipment, depending on eligibility and the proposed arrangement.
Manufacturing Machinery
Production machinery, processing equipment, industrial tools and manufacturing systems.
Construction Equipment
Construction machinery, specialist tools, site equipment and related operational assets.
Agricultural Equipment
Farm machinery, irrigation systems, harvesting equipment and agricultural technology.
Technology and IT
Business computers, servers, specialist technology, networking equipment and software-related hardware.
Medical and Professional Equipment
Eligible diagnostic equipment, clinical machinery and specialist professional tools.
Commercial and Operational Equipment
Warehouse equipment, refrigeration systems, commercial kitchen equipment and other business assets.
Why consider equipment financing?
Preserve Working Capital
Financing may allow your business to acquire essential equipment without paying the entire purchase cost upfront.
Improve Productivity
Access equipment that may help streamline operations, improve efficiency and increase production capacity.
Support Business Growth
Consider equipment investments that help your business take on additional work or serve new customers.
Structured Financing
Explore repayment arrangements assessed around the financing request and applicable conditions.
Who can apply?
Equipment finance is intended for registered businesses seeking funding for eligible commercial equipment. Applications are assessed individually.
- Registered business or eligible commercial entity
- Clear description of the equipment required
- Intended financing amount and purpose
- Business contact and registration information
- Ability to provide supporting documents when requested
How the process works
- Submit an enquiry:Tell us about your business and equipment requirements.
- Initial review:Our team reviews the information provided.
- Further assessment:Additional business and equipment details may be requested.
- Financing proposal:If suitable, applicable terms, costs and conditions are explained.
- Final decision:Funding proceeds only after the required checks, approvals and agreements.
Equipment finance costs and conditions
Financing starts from $4,999, subject to eligibility and assessment. Advertised interest rates start at 5.2%; the rate offered to an applicant depends on the financing arrangement, assessment and applicable conditions.
A due diligence and underwriting fee may apply. The amount varies according to the financing terms and region. Any applicable fee and other charges will be disclosed before you commit. Depending on the agreed conditions, the fee may be payable after conditional approval or before disbursement, and may be deducted from the financing proceeds.
Collateral may be required depending on the transaction. Late payment fees may apply. There are no early repayment penalties under the stated programme terms. Approval is not guaranteed, and all applications remain subject to assessment and applicable legal requirements.
Equipment finance FAQs
What types of equipment can I finance?
Eligible equipment may include machinery, construction equipment, agricultural equipment, technology, professional equipment and other commercial assets. The proposed purchase is reviewed during assessment.
Can I finance used equipment?
Used equipment may be considered depending on its condition, value, intended business use and the financing arrangement.
Can a new business apply?
Newer businesses may submit an enquiry. Additional information about the business, its operations and the proposed equipment may be required.
Will I need to provide a deposit?
Any deposit or upfront contribution depends on the equipment, financing structure and assessment. Applicable requirements will be explained before you accept an offer.
How long does the application take?
Initial enquiries are generally reviewed within 1–3 business days. Further assessment and funding timelines depend on the information and documents required.
Does submitting an application guarantee approval?
No. Every application is subject to review, verification, underwriting and applicable requirements. Submitting an enquiry does not constitute a financing offer.
Ready to equip your business for its next stage?
Tell us what equipment your business needs and let our team review your financing enquiry.