Asset finance just got easier

With one-hour approvals for loans under $100,000, you could secure asset and equipment finance for your business without any fuss. 

Team of architects people in group  on construciton site check documents and business workflow

Keep your cash flow under control while your business grows

one hour conditional approval for business loans

One-hour conditional approval for loans up to $100,000

loan funds available within 24 hours

Funds available within 24 hours

borrow up to one million dollars for equipment financing

Borrow between $10,000 and $2,000,000

Option to own or rent your equipment with financing

Own or rent your equipment

Australian based customer service team for asset finance

Friendly & knowledgeable customer service

See if you pre-qualify for a business loan

Obligation free - Find out if you pre-qualify for asset finance - just answer these simple questions. If you're successful, you could have the loan for your business to finance new or used equipment within the next 24 hours.

View our customer reviews


The Bigstone difference

We understand how difficult it can be for businesses to get the funds they need to grow. That’s why we’re here to help businesses like yours go big with simple asset finance solutions to help manage cash flow and reach your goals sooner.

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.

View our Product Glossary to see all finance solutions we offer, including more about Sale & Lease Back and Secured Business Loans.

Application requirements for different loan amounts

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

Application + invoice (and possibly some financial information)

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

Loans above $100,000

Application + invoice + other financial information

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.

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

Terms range between 12 and 60 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

We charge a one-off upfront 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.

For the avoidance of doubt, the finance terms and conditions apply to all product offerings marketed or advertised by Bigstone, its employees, agents and representatives.

You can get in touch with us by calling (02) 8205 7777 or emailing

Ready to apply for asset finance?

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