Equipment Finance Guidance
Get the equipment your business needs with flexible financing options.
Overview
Equipment finance covers a range of business assets — from IT equipment to manufacturing machinery. Understanding your options helps you choose the right structure.
Key considerations
- Business vintage
- Positive cash flow
- GST registration
- Banking history
Typical eligibility
These are indicative criteria. Actual requirements vary by lender.
- Business vintage
- Positive cash flow
- GST registration
- Banking history
Typical documents
Document requirements vary by lender and loan type.
- Business registration
- GST returns
- Bank statements
- Equipment quotation
- Financial statements
Frequently asked questions
Lease or loan — which is better?
Each has different tax, ownership, and cash flow implications. We can help you understand the differences before you decide.
What equipment can be financed?
Most business equipment — manufacturing machinery, IT equipment, vehicles, medical equipment — can be considered, subject to lender policy.
Your next step
Ready to explore Equipment Finance?
Share your requirement and a SMFINCARE financing specialist will help you understand what to prepare.
This assessment is indicative and educational. It does not constitute a sanction, approval, credit decision or guarantee. Final eligibility, interest rate, loan amount, documentation and disbursement are determined by the relevant lender according to its policies and applicable law.