Software finance from 48+ Australian lenders.

Yes. Technology lenders finance perpetual licences, implementation, customisation, data migration, training and one to three years of subscription fees on a fixed-term contract, treating the business’s cash flow rather than the software as the security. Terms of two to four years are typical.

Mostly unsecured against the software itself, since licences have little resale value, so lenders rely on trading history and usually a director’s guarantee, and rates sit between equipment finance and unsecured business loans. Bundling hardware into the contract can improve the rate. Your broker chooses the structure with the best pricing.

The vendor’s quote or statement of work, two years of ABN history and clean credit for a low-doc approval up to around $100,000 to $150,000, and financials or bank statements for larger amounts. Established businesses are often approved within a day or two.

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.

Yes. Terminals, tablets, printers, cash drawers, scanners, kitchen displays and installation are financed as technology equipment, and many lenders include the first one to three years of software subscription and setup in the amount financed. Ongoing subscriptions after that are paid as operating costs.

Yes. Large implementations such as ERP, practice management, CRM and warehouse systems are commonly financed with the vendor paid at milestones and the business repaying over two to four years, so the cost is spread across the years the system delivers value. Hardware bought with the system can be included.

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.

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.