Your Equipment
Your Business,
Backed by the Right Equipment
Keep your operations moving with smart, accessible equipment finance solutions tailored for your business. Whether you need to upgrade machinery, replace outdated tech, or invest in new tools, we help you secure the right finance to keep your business efficient and future-ready.
Invest in your business tools
Fully Funded
As a dedicated business owner, you invest time, effort, and capital into making your business work: and that often includes critical tools, machinery, or vehicles.
But equipment is expensive, and paying upfront can drain your cash flow.
The truth is, even successful businesses can face challenges in accessing the right financing to stay competitive and grow.
That’s where we come in. At Lumos, we help you navigate the equipment lending landscape with ease — guiding you toward smart finance options that support your needs without holding back your momentum.
That’s where our equipment finance experts step in.
At Lumos, we believe in helping you access the tools your business needs without added stress or financial strain.
Our approachable and experienced team is here to guide you through the equipment funding process: making it simpler, smarter, and aligned with your goals.
Financing equipment isn’t just about getting a loan: it’s about empowering your business to operate efficiently, grow sustainably, and create long-term stability for you and your team.
Frequently Asked Questions About Equipment Finance
What is equipment finance?
Equipment finance allows you to purchase or lease machinery, vehicles, tools, and other business assets while spreading the cost over time. It helps manage cash flow while still getting access to the equipment you need.
Who is equipment finance for?
It’s ideal for businesses that rely on machinery, technology, vehicles, or tools for daily operations — especially in industries like agriculture, trades, construction, health, logistics, and manufacturing.
Can I upgrade equipment during the finance term?
Yes, we can explore options that allow flexibility for upgrades or additional purchases during your agreement.
How long does it take to get approved?
It depends on your circumstances, but our team works quickly to prepare your application, connect with the right lenders, and streamline approval — often in just a few business days.
Do I need a deposit?
In many cases, no deposit is required. We’ll assess your business profile and work with lenders to find the best-fit option for your cash flow and repayment capacity.
What happens when the term ends?
You may own the equipment outright, return it, or refinance a new purchase: we’ll help you choose the best strategy for your business goals.
Why work with Lumos instead of applying directly to a lender?
We’re not tied to any lender. We represent your interests and compare multiple options to ensure you get the most suitable and competitive solution, without the overwhelm.
I’d like to talk to someone, how do I get in touch?
Of course! If you have another question or want to get the ball rolling, please complete our enquiry form or book a free call. We’d love to chat and make sure we’re the perfect financial partner for you.
Dr Bronwyn trusts us with her business.
“I’m grateful for your help. You have the most wonderful team and we’re lucky to be partnering with you.”
Our team helped Rural Doctors increase their profits by 30% in just one year.
Reap the Benefits of a Strategic Equipment Finance Partner
Smart Asset Funding Solutions
Access the equipment your business needs with confidence. Our experienced advisors help you structure finance options that keep your cash flow steady while securing the tools that power your growth.
Tailored Finance Strategies
We don’t believe in one-size-fits-all. We carefully match your loan structure to your business model, equipment lifespan, and repayment capacity: ensuring your funding solution works for you now and into the future.
Ongoing Loan Review and Optimisation
Your business evolves: and so should your finance. We regularly review your equipment funding arrangements to ensure they continue to support your goals and offer opportunities for refinancing or upgrading when needed.
Clear, Actionable Lending Advice
From choosing between leasing and purchasing to understanding tax implications, we provide straightforward advice so you can make informed, timely decisions that align with your business strategy.
Confidence in Trusted Finance Support
With Lumos, you’re never navigating equipment finance alone. Our team is committed to getting you the right funding on the right terms: giving you peace of mind and keeping your business moving forward.
Take confident steps towards your wealthy future
Ways we can support you
We’ll help you assess your funding needs and tailor the right finance solution for:
- Vehicle & Machinery Loans
- Technology & IT Equipment
- Medical Equipment
- Office Fit-Outs & Furniture
- Agricultural Equipment
- Construction Tools & Trailers
- Equipment Leasing Options
- Refinancing or Upgrade Support
Real Outcomes for Real Businesses
From local trades to large-scale rural operations, we’ve helped businesses access the equipment finance they need to grow and thrive.
We acknowledge the Traditional Custodians of Country throughout Australia and their connections to land, sea, and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. Always was, always will be, Aboriginal land.
Contact
- E: hello@lumosadvisory.com.au
- QLD: 07 4646 1600
- Ballina: 02 6686 4744
- Murwillumbah: 02 6672 1844
- Monday to Friday, 9am to 5pm
- Our offices are closed daily from 12.30PM - 1.30PM
- Copyright 2025 Lumos Advisory
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