Equipment Financing

Fast and flexible
commercial equipment
funding options

Explore funding options for buying commercial equipment

Prospa has helped thousands of small businesses to grow and thrive with a range of lending options, including equipment financing. We provide the financial support to help businesses remain competitive in a constantly changing market.
Whether it’s farm equipment, construction equipment or other heavy equipment, keeping your business up to date with the right commercial equipment is vital. The perfect place to start is with a Prospa Small Business Loan of $5,000 to $150,000 – talk to us today.

Why Prospa? It’s today’s way to borrow.

No more compromising or missed opportunities with Prospa by your side. With hassle-free application, this time tomorrow you could have access to funds for growth and cash flow support. It’s just what we do.
We’re Australia’s #1 online lender to small business.


Borrow up to $500K with 10 minute application, fast decision and funding possible in 24 hours.


Talk to real people. Business Lending Specialists who are focused on getting you what you need, sooner.


Thousands of small businesses have borrowed from Prospa so far.
You could benefit too.

Talk to a business lending specialist

Talk to a business lending specialist

Talk to a business lending specialist

Talk to a business lending specialist

Talk to a business lending specialist


"“I got on the phone and had an answer almost straight away. We didn’t have to go into a bank. We didn’t have to fill out forms. Prospa was quick and simple.”"

Craig Dolbel

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Common questions answered

Equipment finance is a loan type many businesses use to purchase new equipment or update capital assets. Equipment loans can be used for large scale capital items, like farm equipment. It can also fund other heavy equipment that your business uses to produce your goods or services. This type of finance is often secured against the value of the asset you are intending to purchase, in much the same way a car loan or a home mortgage works.

Prospa can help you simplify the entire equipment financing process. Our small business loan offers regular repayments that fit with your cash flow. You’ll also have access to a friendly customer service team to help you throughout the process.

We are more than just your average online lender, we have small business at the centre of everything we do. We can help you access a great equipment finance option today, and then help to offer financial support if your business needs more funds to grow.

If you’re looking to purchase heavy equipment, Prospa can help with the finance you need. Heavy equipment includes assets like commercial equipment for kitchens or factories, construction-related machinery, farm machinery and any work-related vehicles.

Heavy equipment can be expensive – which is why a business loan is a great option if you don’t have the funds up front. Prospa offers business loans of up to $150,000. No asset security required upfront to access Prospa funding up to $150,000.

Are you a primary producer? We love supporting Aussie farmers. Our business loans have already helped small businesses in the agriculture industry get the funds they need to buy equipment and tools to grow and expand. We can help you access an equipment loan to purchase farm equipment to keep your farming business moving.

Most businesses need to purchase or upgrade equipment from time to time. There are many business finance options available for equipment purchases, including leasing arrangements, but whatever you choose, it’s great to know that your lender supports small business.

At Prospa, our business loans are a great alternative for equipment purchases. The online application process is fast and straight-forward, you get a fast decision and funding is possible in 24 hours. To discuss your equipment loan or financing possibilities, simply contact us today or start an online application.

Awards, thanks to your support

It's nice to know we're doing something right

Year Award Category
2024 Great Place to Work Recognised as one of the Top 10 Best Workplaces in Technology
2024 Work180 Recognised by WORK180 as one of Australia’s top 101 workplaces for women
2023 Great Place to Work Recognised as one of the Top 20 Best Workplaces
2023 Great Place to Work Certified
2023 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, SME under $250K Loan of Choice

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