Asset finance just got easier

We have three finance solutions so you can get the equipment you need without the upfront cost, plus one-hour approval for loans under $100,000.

Pre-Qualify in 1 Minute Apply Online

Keep your cash flow under control while your business grows

One-hour conditional approval for loans up to $100,000
Funds available within 24 hours
Borrow between $10,000 and $1,000,000
Own or rent your equipment
Australian-based customer service

How it works

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Apply online

Our loan calculator is built into the application, so if you like what you see you can complete your application with just a few more clicks.

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Get an answer in one hour

Borrowing less than $100,000? Simply provide us with the invoice and a bit of information about your business, along with how much you need to borrow and how long you want to borrow for.

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Funds paid, fast

We know downtime means money lost. That's why funds are available within 24 hours of approval so that you can put your equipment straight to work.

Why are businesses choosing to go big with Bigstone?

We’re in the business of helping businesses big and small grow. Get the funds you need, fast, so you can focus on growing your business - not how you’ll pay for it.

  • Fast and easy access
    Our process is completely online, so that you can apply anytime, day or night. Our customer service team is also available Monday to Friday if you have any questions.
  • Safe and secure
    We use commercial grade information systems to keep your information safe and secure. We don’t store any of your financial data, and we can’t access any of your accounts.
  • Simple to get started
    Apply anytime, anywhere with our 100% online application. If you have all of your information ready, the application should take between 15 and 20 minutes.

Pre-qualify for one-hour approval up to $100,000

Our experience with Bigstone was exceptional. Extremely professional operation with excellent customer service and a super quick turnaround with the finance. Thank you all so much!

Nicole

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“It was a breath of fresh air dealing with Bigstone.The process was smooth, enjoyable and the team are fantastic to work with!”

Melissah

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“I was very impressed with the team at Bigstone. From beginning to end I felt they used technology to the highest level to do their due diligence on our business and then funded us with a knowledge that we are a low risk to their investors. It won't be the last time I use their services.Thank you for helping us at a crucial time for us. You made our job a lot easier.”

Peter

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A male business owner in a new commercial kitchen

Three loan options to choose from

Commercial loan

Purchase the equipment and use its value as collateral. You can adjust your repayment amount by choosing how much residual (leftover amount) you pay or refinance at the end of the term. You own the equipment throughout its useful life.

Equipment rental

Keep up with the latest tech changes and industry developments without shelling out a large lump sum every few years. At the end of the rental term, give the asset back and you can upgrade to the latest version. We own the equipment and you rent it from us during the rental agreement.

Finance lease

We own the equipment during the finance term, and at the end of the term, ownership transfers to you.

Download our Product Definitions Guide for more information

Compare Options  Apply Online

Male business owner applies for finance on tablet

Application requirements for different loan amounts

Loans under $100,000 (one-hour approval)

Application + invoice

At least one company director must own property for one-hour approval.

Loans above $100,000

Application + invoice + other financial information

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Business owner looking at a monthly report

Tax and GST implications to consider

Commercial loan

The interest portion of your repayment and depreciation of the asset may be tax deductible. You may be able to claim GST upfront rather than over the term of the loan

Equipment rental

The rental repayments may be claimed as a business expense. You may be able to claim GST on the rental repayments.

Finance lease

The lease rental payments may be claimed as tax deductions.You may be able to claim GST credits for GST contained in the lease rental payments.

We don't provide financial advice. You should discuss your situation with a qualified financial advisor or accountant before making any final decisions.

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You can borrow up to 100% of the equipment’s value.

Terms range between 6 and 36 months, depending on the type of asset and type of loan. If your loan has an optional residual payment, you can apply to refinance the residual payment for up to 24 months.

Are there any exclusions?

We provide finance for most assets and equipment, with a few exceptions

  • Private sales
  • Low volume assets, non-movable assets, mining equipment, aircraft and customised equipment
  • Used equipment
We charge a one-off upfront $250 fee and no ongoing fees. There are additional fees in the event of a default.

A residual amount is a one-off payment at the end of the loan term. Sometimes referred to as a balloon payment, this payment is due after all regular monthly repayments have been made and is factored into the total cost of your loan at the beginning of the term.

As a quick example, if you borrow $100,000 with a residual payment of 40%, your monthly repayments over the life of the loan will only total 60% of the principal and interest. You will pay the remaining 40% in either one lump sum or you can refinance it for up to another two years. This helps keep your regular repayments down and lets you factor the residual payment into your cash flow.

At this stage, we only lend to businesses that are more than two years old. Once you’ve hit the two year mark, you can come back and apply for a loan.

The documents you need to provide will vary depending on how much you want to borrow.

  • for loans up to $99,999 application + invoice
  • for loans above $100,000 application + invoice + other financial documents

The invoice can be attached directly to your application. If you need to provide bank statements and/or financial statements, we will send you an email once you submit your application with further instructions to securely connect your online banking.

At least one company director needs to own property, but we don’t lodge a mortgage over it.
You can get in touch with us by calling 1800 244 786, emailing info@bigstone.com.au or using the chat button on the right-hand side of your device.
Bigstone Loan Comparison Guide

Loan Comparison Guide

With so many lenders quoting so many different interests rates and loan types knowing how to pick the right one for your business can be a challenge.

We've put together this handy guide to help you better understand the loans available and feel confident that you've made the best decision possible. 

Get the Guide

Ready to help your business grow?

Get started with our easy online application and quick turnaround times.