Supporting Australian Businesses with Smarter Equipment Finance
Business equipment finance for those with Bad Credit
Apply For Business Equipment Loan
Apply for a Finance business equipment loan
Finance to help keep your business moving.
When you rely on tools, machinery, or vehicles to run your business, equipment issues can slow everything down. If you’ve had past credit setbacks such as defaults, missed repayments or a discharged bankruptcy, getting finance can feel harder than it should be. Finance One Commercial looks at how your business is performing today, not just what’s on your credit file.
A Business Equipment Loan can help you purchase the machinery, tools or commercial vehicles your business depends on each day. Whether you’re expanding, replacing worn-out gear or improving efficiency, we provide clear information and flexible repayment options to support your goals.
What is a business equipment loan?
A Business Equipment Loan helps you finance the machinery, tools or vehicles your business needs for safe and productive operations. Many customers use it to purchase new or used equipment across different industries including trades, construction, agriculture, landscaping, and mobile services.
We assess each application individually and explain your options clearly so you can make an informed decision.
Normal lending criteria, fees, and charges apply.
What can a business equipment loan be used for?
You can use this loan to finance a wide range of business-use equipment.
Lawn Mowers Loans
Keep your mowing or landscaping business running smoothly with the right tools. A Business Equipment Loan can help you upgrade or replace essential mowing equipment, even if you’ve had credit challenges in the past.
You can use finance for:
✔ commercial lawn mowers
✔ zero-turn mowers
✔ ride-on mowers
✔ landscaping tools and equipment
This option suits lawn contractors, strata maintenance teams and gardening professionals needing reliable gear for day-to-day work.
Tractors Loans
Whether you manage a small property or operate an agricultural business, tractors are essential for productivity. If you’ve faced credit issues before, we may still be able to assist with the equipment you rely on.
Finance may cover:
✔ compact tractors
✔ mid-sized tractors
✔ tractor attachments and farming tools
Ideal for small farms, rural operators, and agricultural businesses.
Trailers Loan
Trailers help you move equipment, stock or materials safely and efficiently. A Business Equipment Loan can help you purchase the trailer setup that best supports your work.
You can use finance for:
✔ box trailers
✔ enclosed trailers
✔ flatbeds
✔ tool trailers
✔ car carriers
Commonly used by trades, transport operators, construction crews and mobile service businesses.
Earth Moving Equipment
Earthmoving machinery plays a key role in construction, civil work and hire services. A Business Equipment Loan can help you secure dependable equipment, even if you’ve been declined elsewhere.
Eligible items include:
✔ mini excavators
✔ skid steer loaders
✔ trenchers
✔ small earthmoving machinery
Suitable for construction businesses, hire companies and civil contractors.
Vehicle Equipment
When your work relies on transport or mobile services, the right vehicle setup makes a big difference. A Business Equipment Loan can help you upgrade or purchase what your business needs on the road.
You can use finance for:
✔ utes and work vans
✔ light commercial vehicles
✔ service vehicles
✔ workshop tools and machinery
A practical option for tradies, workshops, mobile operators and service-based businesses.
If you have other equipment in mind, our team can confirm whether it fits within a Business Equipment Loan.
Who can apply?
We understand that business owners can experience financial setbacks. Finance One Commercial may consider applications from people who have:
✔ a poor or bad credit history
✔ past defaults or missed repayments
✔ a discharged bankruptcy
✔ limited credit history
We make reasonable inquiries into your situation, consistent with AFCA expectations, to ensure the loan is suitable for your circumstances.
You may be able to apply if you:
- receive regular income from your business
- want to borrow between $8,000 and $150,000**
- are at least 21 years old
- can provide identification, basic business documents and recent bank statements
- have an active ABN (typically 6 months or more)
Steps to obtaining a Finance One business loan
Step 1
Apply online.
Complete our online form or call us on 1800 346 663 to talk to one of our friendly team.
Step 2
Get approved.
We can have an answer to you in as little as 48 hours!*
Step 3
Settle your loan.
Our friendly team will support you through every step.
Why Finance One Commercial? Because we believe in second chances.
Flexibility
Finance One customers can make extra repayments or increase their repayment amount at any time.^
100% Australian Owned
With offices in Townsville and Brisbane, our team is ready to assist you in finding financial success.
Support
Our dedicated support team will get to know you and provide personalised service.
Finance One Commercial takes a compassionate and flexible approach to lending to everyday Australians.
We strive to find finance solutions for everyone – even those who have been rejected by the banks.
We go above and beyond to help provide smart solutions to your finance problems.
Frequently Asked Questions
Can I apply if my business has had credit challenges?
How much can I apply to borrow?
What could my interest rate be?
What documents will I need to provide?
How long does my business need to be active to apply?
How long can I take to repay the loan?
*48 hour approvals are subject to satisfactory documentation being provided to assess the application. Normal lending criteria, terms & conditions and fees & charges apply.
**Normal lending criteria, terms & conditions, and fees & charges apply
^Early repayment fees may apply. Please refer to your loan terms and conditions or contact us to confirm if an early payout fee applies to your loan.