Office & Technology Finance
Office and technology finance is vital for businesses that need to maintain a competitive edge through modern hardware and efficient workspaces. This type of finance covers a broad range of assets from servers and laptops to office furniture and complete fit-outs. Because technology depreciates quickly, financiers in this space often offer flexible leasing or rental options that allow for easy upgrades at the end of the term. The asset serves as the primary security, though for pure software or services, some lenders may require additional business background. The main trade-off is between owning the asset outright via an equipment loan or choosing the flexibility of a lease that simplifies the upgrade cycle. We help you compare these models across multiple specialized tech lenders.
When it makes sense
- Laptops, desktops, and workstations
- Servers and data storage hardware
- Multi-function devices (MFDs) and printers
- Networking and telecommunications gear
- Office furniture and workstations
- Complete office fit-outs
- Specialised business software (bundled)
- Audio-visual and boardroom technology
Indicative terms
| Amount range | ,000 to $2,000,000+ (indicative) |
| New vs second-hand | New preferred for technology (indicative) |
| Deposit | 0% deposit options common (indicative) |
| Indicative rate range | 7.00% – 13.50% p.a. (indicative) |
| Term | 2 to 5 years (indicative) |
| Residual/balloon | Available for eligible assets (indicative) |
| Documentation | Streamlined online applications (indicative) |
| Settlement time | 24 to 48 hours (indicative) |
How it works
- Tech Audit — Tell us about the IT hardware, software, or office furniture you need to finance and how long you intend to use it before upgrading.
- Lender Shortlist — We compare specialist technology financiers who offer flexible lease-to-own or rental models tailored to IT lifecycles.
- Digital Application — Many tech finance applications are fully digital, allowing for rapid assessment and approval often within hours of submission.
- Rapid Funding — Upon approval, the lender pays your technology vendor directly, ensuring your new systems are delivered and installed without delay.