Business Equipment Purchase Loans

Why use PMA to finance your business equipment purchase:

  • You need a short-term loan to purchase equipment for your business
  • You urgently need to purchase equipment and can’t wait for bank approval
  • You can’t provide financials to show that you can service a regular bank loan

Business Equipment Purchase Loan Terms

Loan Amount

Up to $5M (1st Mortgages) & $2M (2nd Mortgages)


Up to 75% of the ‘as is’ value (max. LVR of 75% for major metro residential property, other security at lower LVRs)


1st or 2nd Mortgage


3-12 months + Extensions

Business Equipment Purchase Loans

Many businesses don’t have enough available cash to consider an outright purchase, making business equipment financing a necessity. Even if you can afford it, investing cash in assets may leave you with less working capital to finance operations or explore new growth opportunities. Using property as security for a short term loan to finance business equipment purchases can be a quick and cost effective way especially if it’s important for the business to own the asset from the outset. A loan to purchase business equipment from a private lender can be a good option for many reasons. First off, banks and traditional lenders usually have very strict lending criteria which means some businesses won’t be able to get a loan. If a business has credit issues or can’t show that they’ll be able to service the loan then the bank will likely say ‘no’, whereas a private lender has a lot more flexibility in who they will lend to. A private lender is more concerned with how the business plans to pay back the loan at the end of the term. This is called the ‘exit strategy’. If the business has a property with equity to secure the loan and a strong exit strategy then a private lender will usually consider approving the loan application. For example, a business might be looking to purchase equipment to allow them to fulfil a large customer order they have received. The exit strategy would be to use the proceeds from the order to pay back the loan. In this instance a short-term loan to purchase the equipment would allow them to take advantage of a great business opportunity.

Lending Process


Complete our
Quick App Form


Book a Call
with our head of relationships


After receiving the Application we’ll develop an Indicative Letter of Offer which includes an indicative interest rate.

Once the Offer is accepted a small assessment fee is charged to cover the searches we do in due diligence.


Once we’ve completed our due diligence, we’ll send a formal Letter of Offer. Once signed the loan documents are drawn up and sent to the Borrower’s solicitor.


Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the Borrower.

Referrer fees are paid within 24 hours from settlement with no clawbacks.

We endeavor to make this process as quick as possible and can settle within 5 days upon receipt of all outstanding information.

Our Other Private Lending Solutions