Business Equipment Purchase Loans for Australian SMEs
Fast, short-term equipment finance when banks say “no”. Property-secured lending for more competitive rates compared to traditional equipment finance.
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Funding from $250k
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Short 3 – 36 month terms
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First or second mortgage options
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
What Is a Business Equipment Purchase Loan?
A Business Equipment Purchase Loan allows Australian businesses to fund the acquisition of essential equipment to keep their business running, expand or upgrade their operations. Unlike traditional lenders, we take a commercial, commonsense approach, looking beyond rigid financials to the strength of the asset and security on offer. These loans are ideal for SMEs that:
- Need fast access to capital
- Have incomplete or outdated financials
- Are self-employed or family-run businesses
- Have been declined by the banks
What Equipment Can Be Funded?
We can assist with the purchase or refinance of a wide range of business equipment, including:
- Business Vehicles
- Yellow goods
- Telecommunication equipment
- Computers
- Internal fit outs
- Manufacturing equipment
- Other business-related equipment and infrastructure
Who Is This Loan For?
Australian SMEs
If your business relies on equipment to generate revenue, we can help you secure funding.
Brokers, Accountants & Other Referrers:
We work closely with brokers across Australia to support complex or time-sensitive deals for their clients, providing:
- Fast credit decisions
- Direct access to decision-makers
- Clear loan structures
- Reliable settlements
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 75% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. 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.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study: Equipment Purchase Finance for a New Bakery
Trinity Beach, Queensland
The Scenario
An experienced bakery operator was preparing to establish a new bakery in Trinity Beach, QLD, and required finance to purchase essential equipment and provide working capital during the startup phase.
While the borrowers had strong industry experience, the business was a new startup, meaning there were no financials available to meet traditional bank servicing requirements. As a result, mainstream lenders were unable to assist.
The Solution
Private Mortgages Australia structured a short-term equipment purchase loan to support the establishment of the business.
The loan funded:
- Purchase of a commercial oven and bakery equipment.
- Working capital to cover initial operating costs.
The Exit Strategy
The agreed exit strategy was to:
- Operate the bakery for approximately two years
- Build trading history and prepare financial statements
- Refinance to a mainstream bank once servicing criteria could be met
This approach allowed the borrowers to move forward with their business plans without delaying the opportunity.
Loan Summary
- Loan Purpose: Equipment purchase & working capital
- Location: Trinity Beach, QLD
- Security: First mortgage over principal place of residence
- Property Valuation: $170,000
- Loan Amount: $100,000
- LVR: 58.82%
- Loan Term: 21 months prepaid, plus 4 monthly extensions
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
Over the last 6 years that I have referred clients to PMA, it has been an absolute pleasure. The time it takes to assess files, then issue Offers, then take each file through to Settlement has been nothing short of great. It is very pleasing that once a quote is obtained from PMA, there are never any surprises in their Loan Approval letters which makes it easier to manage clients expectations....
Don Fleming - Mortgage Broker
2021-02-02 05:53:28
★ ★ ★ ★ ★
My experience with PMA has been first class and I would not hesitate to recommend PMA to any of my fellow Brokers. Absolute pleasure in dealing with you and the whole team at PMA.
...George K. - Broker, VIC
2026-07-02 10:30:26
★ ★ ★ ★ ★
For those of you who are thinking about investing with these guys, it’s pretty easy and rewarding....
Adam M - Mornington VIC
2018-07-02 04:35:41
★ ★ ★ ★ ★
PMA responded to an 11th hour call for funding following two previous lenders not delivering on their representations. PMA's can do attitude and flexible approach was appreciated by both the borrowers and myself and the resultant settlement brought a huge relief and closure for my clients....
Warren Bund - Warren Bund Financial Services
2018-05-02 02:11:13
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
