Finance question
Can I finance equipment for a home-based business?
Yes. A home-based business with an active ABN can access equipment finance the same way any other business can. The finance is secured by the asset, so trading from home is not a barrier, subject to lender assessment.
Get your free rate quote
Tell us a few details and we will come back with your indicative rate. No obligation.
Thanks, we are on it
Your enquiry is in. Our team will be in touch shortly with your indicative rate and next steps.
The short answer
Working from home does not change the finance
Plenty of real businesses run from a home address, from trades and consultants to online sellers and makers. Equipment finance does not treat them differently. What matters is an active ABN and an asset to secure the loan against, not whether you have a separate commercial premises.
The asset does the heavy lifting. Because the equipment or vehicle secures the finance, the lender's risk sits in the asset rather than in your street address. A home-based operator buying a van, a machine or a fit-out is assessed on the deal, much like any other business.
Home-based deals still vary by lender. Some like to see the business is genuinely trading, and a low-doc or no-doc structure can suit when full financials are not on hand. A broker matches your profile across 40+ lenders to the one most comfortable with home-based operators, rather than sending you to one that quietly prefers a commercial lease on file.
Do you qualify?
What a home-based deal needs.
A home-based ABN
An active ABN trading from a home address qualifies.
A specific asset
A vehicle, machine or gear to secure the finance.
Sole trader or company
Both structures are commonly funded.
Low-doc friendly
Full financials are often not required.
Why home-based is not a barrier
The asset secures it
Security sits in the equipment, not your premises.
An ABN is an ABN
A genuine trading business qualifies, home-based or not.
Low-doc options
Many deals settle without full financials, which suits smaller operators.
A real example
A mobile dog groomer runs the business from home and needs a $45,000 fit-out van. There is no shopfront, but the ABN is active and the van is strong security. Placed with a lender comfortable funding home-based operators, approved low-doc on the asset. Illustrative only.
Common questions
Frequently asked questions
Do I need a commercial premises to qualify?
No. A home-based business with an active ABN qualifies. The asset secures the finance, so a separate premises is not required.
Can a sole trader working from home get finance?
Yes. Sole traders and companies both qualify, whether they trade from home or a commercial address.
Will I need full financials?
Often not. Many home-based deals are low-doc or no-doc, which suits operators without up-to-date accounts, subject to lender assessment.
Does the lender care that I have no shopfront?
Some like to see genuine trading, but most assess the asset and the ABN. A broker matches you to a lender comfortable with home-based operators.