Asset & Equipment Money
Get quick access to anywhere from $5K to $150K, smoothly, with minimal paperwork for purchasing or upgrading vehicles, machinery, tools, or tech — a superb option in case of an emergency need or quicker approval (mostly within 24 hours).
No credit check to see if you are eligibleHelping small businesses grow with the right tools.
At SME Money, we’re cognizant of the fact that the right asset is critical, be it a new ute, a commercial oven, or an updated piece of tech.
And so ideally, we have flexible asset and equipment finance tailored to your needs. No bank jargon. No lengthy waits. Just smart options and fast decisions from a stellar set of lenders.
So business can keep moving forward.
Some examples include:
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Buying a new commercial oven for a café
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Upgrading excavation machinery for a tradie
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Purchasing point-of-sale (POS) systems
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Financing warehouse racking or shelving
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Leasing a printing press or CNC machine
Apply Pre-Approvals Now
Get a head start on your business finance with fast, no-obligation pre-approvals.
Flexible options for any stage
Whether you’re just starting out or scaling up, we offer solutions tailored to your business needs.
Request a quote or get fast pre-approval
Choose what suits you—request a personalised quote or secure pre-approval in minutes.
Competitive products for growing SMEs
Access finance options designed to support and accelerate your business growth.
How to apply
Fast, hassle-free business funding with no upfront security—get approved and funded in as little as an hour.
- Apply in minutes
Complete your application quickly with minimal paperwork and no upfront property security required to access up to $150K from SME Online. - Get a fast decision
We’ll call you to explain the process and answer any questions
- Access your funds
Receive your funds within less than an hour from signing your loan documents
Calculate your repayments
Use SME Money Market’s loan calculator to instantly estimate your business loan repayments.
No credit check to see if you are eligibleRepayments Calculator
The results provided by this calculator are based on the information you enter and are intended for illustrative purposes only. They do not constitute a quote, credit offer, or financial advice, nor do they guarantee product suitability. SME Money Market accepts no liability for any loss or damage arising from reliance on this tool, subject to applicable laws. All applications are subject to standard credit assessment, terms and conditions, and relevant fees.
This calculator assumes a fixed annual percentage rate (APR) of 31%, with repayments covering principal and interest only, plus a 3.5% origination fee.
The results provided by this calculator are based on the information you enter and are intended for illustrative purposes only. They do not constitute a quote, credit offer, or financial advice, nor do they guarantee product suitability. SME Money Market accepts no liability for any loss or damage arising from reliance on this tool, subject to applicable laws. All applications are subject to standard credit assessment, terms and conditions, and relevant fees.
This calculator assumes a fixed annual percentage rate (APR) of 31%, with repayments covering principal and interest only, plus a 3.5% origination fee.
Frequently Asked Questions
We offer unsecured business loans, asset and equipment finance, vehicle loans, invoice finance, and commercial property lending. Each product is tailored to suit cash flow, asset purchase, or expansion needs.
Loan amounts typically range from $5,000 up to $2 million, depending on the product, your business profile, and lender criteria. Pre-approvals can give a quick indication of borrowing capacity.
Many of our lenders offer approval within 24–48 hours, and funding can follow shortly after. The timeline depends on documentation, loan type, and the complexity of your business structure.
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Basic ID for directors/owners
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Recent bank statements (3–6 months)
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Financials or BAS (depending on loan type)
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Invoice or asset details (for equipment/invoice loans)
Yes. We have unsecured options available — these rely on trading history, revenue, and credit profile rather than real estate security.
Not always. Some lenders offer solutions for newer businesses, provided there is some trading history, revenue flow, or a strong personal credit score.
Yes. Most lenders accept both new and used assets, subject to age, condition, and valuation.
What our clients have achieved with their finance.
Learn More
Funding When We Needed It Most
We needed funding fast, and SME Money Market delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Tailored Finance That Truly Fits
SME Money Market really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Funding When We Needed It Most
We needed funding fast, and SME Money Market delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Funding When We Needed It Most
We needed funding fast, and SME Money Market delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Tailored Finance That Truly Fits
SME Money Market really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Ready to grow your business?
Use SME Money Market’s loan calculator to instantly estimate your business loan repayments.
Get a Quote