IT hardware finance from 48+ Australian lenders.

Laptops, desktops, servers, networking, storage, printers, phones, screens, meeting room systems and installation are financed as technology equipment, and many lenders include software, licences and setup services in the amount. Terms of two to four years match how quickly hardware dates.

A rental or operating lease suits businesses that refresh devices every two to three years and want a fixed monthly cost with the option to return or upgrade, while a technology loan suits businesses that keep equipment longer and want to own it. Rental payments are generally deductible; owned equipment is depreciated. Your broker compares both.

Yes. Device fleets are commonly financed under one contract or a master facility with draw-downs as staff are onboarded, and some providers bundle device management and support. Amounts from around $5,000 qualify, and larger rollouts get fleet pricing.

Yes. On-premises servers, storage and networking can be financed as equipment, and many technology lenders also fund the professional services, migration and software subscriptions that go with a refresh, up to a proportion of the total. A broker packages the vendor’s quotes into one application.

An operating lease suits assets you want to use but not own — typically technology that dates quickly, or equipment you replace on a fixed cycle. The financier retains ownership and residual risk, you pay for use over the term and hand the asset back at the end, often with fair wear and tear and usage conditions attached. It keeps replacement predictable, but you build no equity, and exceeding the agreed usage can trigger additional charges.

Servers, networking and storage, fleets of laptops and workstations, point-of-sale and payment systems, security cameras and access control, audiovisual and conferencing gear, 3D printers and specialist design hardware, commercial solar and battery systems, and the software and services that go with them, including ERP and practice management implementations. Hardware is financed as an asset; software and services are funded by lenders that specialise in intangibles.

Yes, with the right lender. Software licences, subscriptions paid upfront, implementation, data migration and training have no resale value, so mainstream asset lenders will not secure against them. A group of technology lenders fund these as a rental or a business loan, often bundled with the hardware in one agreement so the whole project is on a single monthly payment. The intangible portion is priced a little higher than the hardware. Your broker knows which lenders fund what.

Lease when the equipment will be refreshed in three to four years, which is most laptops, workstations and networking, because a lease with a low residual keeps the monthly cost down and makes the refresh simple, with some lenders taking back and disposing of the old fleet. Buy with a chattel mortgage when the equipment has a long life, such as servers you will run for five years or solar systems that last decades. Your accountant advises on the tax outcome for each.

Typically one to five years, matched to the useful life of the gear: two to three years for laptops and phones, three to five for servers, networking and audiovisual, and five to seven for commercial solar. Software implementations are usually funded over the length of the licence agreement. Matching the term to the refresh cycle avoids paying for equipment after it has been replaced.

Yes. Commercial solar and battery systems are financed by many lenders over five to seven years, often structured so the monthly repayment is close to or below the electricity saving. Government rebates and certificates reduce the amount financed. The system becomes a fixture of the building, so lenders look at the lease or ownership of the premises. Your broker compares lenders that specialise in energy assets.