Typical uses
- Staying up-to-date with the latest tools and technology
- Managing cash flow by avoiding large upfront costs
- Keeping assets off the balance sheet
Equipment leasing for small businesses
Equipment leasing lets your business use equipment, vehicles, or machinery without buying it upfront.
Requesting a quote has no impact on your Credit Score.
What is business
equipment leasing?
Equipment leasing lets your business use equipment in exchange for periodic repayments instead of buying it upfront. You don't own the asset, and it doesn't appear on your balance sheet, helping keep your debt-to-equity ratio lower compared to other forms of financing. At the end of the lease term, you typically have the option to return, upgrade, or buy the asset.
Leasing is a flexible, cash flow-friendly way for your business to stay up to date with the latest equipment without tying up capital or taking ownership.
More about equipment leasing
Eligible assets
Common industries
- Construction
- Trades
- Manufacturing
- Agriculture
- Healthcare
- Hospitality
- Retail
- Mining
- IT services
- Education and training providers
Eligibility
You may be eligible for a business equipment lease if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Get a quote
Requesting a quote has no impact on your credit score.
The benefits of business equipment leasing
No large upfront costs.
Avoid big purchases and keep cash free to fund other parts of your business.
Flexible end-of-term options.
At the end of the lease, choose to return, upgrade, or buy the equipment—whatever suits your needs.
Access updated equipment.
Leasing makes it easy to access modern, efficient tools without the commitment of ownership.
Predictable repayments.
Fixed payments make it easier to manage budgets and maintain healthy cash flow.
No large upfront costs.
Avoid big purchases and keep cash free to fund other parts of your business.
Flexible end-of-term options.
At the end of the lease, choose to return, upgrade, or buy the equipment—whatever suits your needs.
Access updated equipment.
Leasing makes it easy to access modern, efficient tools without the commitment of ownership.
Predictable repayments.
Fixed payments make it easier to manage budgets and maintain healthy cash flow.
No large upfront costs.
Avoid big purchases and keep cash free to fund other parts of your business.
Flexible end-of-term options.
At the end of the lease, choose to return, upgrade, or buy the equipment—whatever suits your needs.
Access updated equipment.
Leasing makes it easy to access modern, efficient tools without the commitment of ownership.
Predictable repayments.
Fixed payments make it easier to manage budgets and maintain healthy cash flow.
Things to consider before applying
Potential drawbacks to be aware of
- You don’t own the asset unless a purchase option is available at the end of the lease.
- Leasing can cost more in the long run compared to buying outright.
- Lease agreements often have strict terms.
- Early termination fees may apply.
Questions to ask yourself
- How quickly is new/upgraded equipment released?
- Do I need the latest equipment to stay competitive?
- Will leasing free up cash for other business priorities?
- Am I okay with not owning the asset right away?
- Can I commit to the lease terms for the full agreement period?
At a glance
MAXIMUM LOAN AMOUNT
NA
MINIMUM LOAN AMOUNT
NA
SPEED
Fast
INTEREST RATE
Monthly Fees
MAXIMUM LOAN TERM
NA
MINIMUM LOAN TERM
3 Months
Requesting a quote has no impact on your Credit Score.
Potential lenders
How to apply for equipment leasing
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
What sets us apart
DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
You’ll need to interpret lender jargon and fine print yourself
How we help fuel your business growth
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
Learn more about equipment leasing
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FAQ's
What is business equipment leasing?
What types of equipment can I lease?
Who is the owner of the asset in a lease agreement?
Is equipment leasing tax deductible?
Should you lease or buy business equipment?
Hear from our clients
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Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
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