Enquiring won't affect your credit score No cost to apply Helping Australian businesses since 2012
Fast business loans for equipment purchase

Buy equipment fast, get it earning

To buy business equipment fast, Instant Business Finance uses equipment finance (the machine is the security), a cash-flow loan funded in as little as 2 hours, or a property-secured loan for larger or unusual purchases, including used machines and private sales.

  • 2 hrs without property
  • 24 hrs with property
  • Up to $5M
  • No credit score impact to check
Combine harvester working a wheat paddock60sto see if you qualify

Why speed matters here

Equipment is where speed pays off most visibly. A machine bought at a clearing sale, a truck that locks in a contract or a second oven that doubles output all start earning the day they arrive. Waiting weeks for approval can mean losing the asset or the work.

How we can fund it

Own property

Property-secured

Property-secured loans suit big-ticket or unusual assets, such as older machinery, specialised gear or auction buys, where standard asset finance won't stretch.

Up to $5M · as little as 24 hrs · no financials

No property

Cash-flow loan

For everyday equipment, asset finance or a fast cash-flow loan keeps it simple. Deposits and on-costs can be covered too.

From bank statements · as little as 2 hrs

What helps us move fastest

  • Tax invoice or quote
  • Seller details (dealer, auction or private)
  • Asset age and condition
  • Recent bank statements
Example scenario

A grain grower upgrading before harvest

A Wimmera farming business bought a used header two weeks before harvest. Equipment finance covered the machine, and a small cash-flow loan covered freight and the first service.

Found: MondayApproved: TuesdayIn the paddock: Friday

Frequently asked questions

Can I finance used or private-sale equipment?

Yes. We finance new and used equipment, including private and auction sales.

How fast can equipment finance be approved?

Straightforward approvals can come the same day. Having the invoice and seller details ready speeds it up.

Can I include installation and freight?

Often, yes, either within the finance or with a small cash-flow loan alongside it.

Does it cost anything to apply?

No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.

Instant Business Finance

The fastest road to funding starts here.

See if you qualify in 60 seconds. Funds in as little as 2 hours without property, or up to $5M in 24 hours secured by property. No cost to apply, and no credit score impact.

See if you qualify in 60s