IT, office and POS equipment finance
Computers, servers, networking, POS systems and office fit-out. Finance the technology your business runs on without tying up cash — fast, low-doc, and bundled into one deal.
Technology dates fast, and paying cash for a full IT or office refresh ties up capital you could be using elsewhere. We arrange a chattel mortgage so you own the equipment from day one, and match you to a lender that's comfortable with technology assets. Computers, servers, networking, POS systems, software and fit-out tech, and office furniture — often bundled into a single deal.
Who it's for
Businesses kitting out an office, upgrading IT and servers, or fitting out retail and hospitality with POS systems.
From servers to the front desk
Computers, laptops, servers, networking gear, POS systems, software and fit-out technology, and office furniture. If it kits out your business, it's generally financeable — and you can often bundle several items into one deal.
Own the equipment from day one
IT and office equipment is financed on a chattel mortgage — you own the gear from settlement and it's secured against the loan, so your cash stays in the business. Business use can bring depreciation into the picture; confirm with your accountant how it applies to you.
Quick, low-doc approvals
Technology purchases often need to move quickly, and for established ABNs low-doc finance can often be arranged without tax returns, BAS or bank statements. We'll tell you whether low-doc or a full submission gets you the better outcome and the faster turnaround.
Match the term to fast-moving tech
Technology dates quickly, so it rarely makes sense to tie up cash in gear that may be due for replacement in a few years. Financing lets you match the loan term to the useful life of the equipment and keep upgrading as you grow — how depreciation applies is a tax question for your accountant.
Bundle multiple items in one deal
Fitting out an office or a store usually means buying a lot at once — computers, a POS system, networking and furniture. We can bundle multiple items, and multiple suppliers, into a single chattel mortgage so it's one repayment to manage rather than several.
What repayments might look like
A worked example: $80,000 of IT and office equipment on a chattel mortgage at an indicative 7.5% p.a. over 5 years with a 30% balloon works out around $1,272 a month, leaving roughly a $24,000 balloon at the end. This is an estimate only, excludes fees and charges, is not a quote, and is subject to the lender's assessment.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Computers, laptops, servers, networking, POS systems, software and fit-out technology, and office furniture. If it kits out your business it's generally financeable on a chattel mortgage, and you can often bundle several items into one deal.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.