7 Business Costs You Didn’t Know You Could Finance

7 Business Costs You Didn’t Know You Could Finance

General SME • 2025 Guide

7 Business Costs You Didn’t Know You Could Finance

Most business owners still pay cash for things that should be financed. That drains your buffer for wages, rent and BAS. Here are seven common costs you can finance instead — without slowing down growth.

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Simple rule: if a cost helps you make money over time, there’s a good chance you can finance it instead of paying cash upfront.

1. Work vehicles (new + used)

You don’t need to pay a lump sum for a ute or van.

Finance can cover:

• Used vehicles
• Dealer or private sales
• Refinancing vehicles you already own

Vehicle finance keeps your cash buffer intact.

2. Tools, machinery & equipment

Most gear can be financed, not saved for.

• Workshop machines
• Café & kitchen equipment
• POS, screens, hardware

Use equipment finance to avoid big upfront hits.

3. Fit-outs & refurb projects

Fit-outs don’t need to drain your cash.

• Cabinetry, shelving, signage
• Lighting, flooring, layout upgrades
• Seating & customer areas

Guidance from business.gov.au emphasises preserving working capital instead of using it for big one-off upgrades.

4. Tech, software & hardware bundles

Laptops, phones, servers — all financeable.

• Bundle hardware + install
• Match term to tech life (2–4 years)

No more giant “tech month” expenses.

5. Seasonal stock or project expenses

Busy periods shouldn’t wipe your cash.

Use a low doc cashflow facility for:

• Seasonal stock
• Project materials
• Short-term labour

6. BAS & ATO bills

Large BAS and tax bills hit hard.

Specialist facilities help you manage:

• ATO debts
• BAS obligations
• Tax surprises throughout the year

See low doc ATO & BAS options.

7. Consolidating old high-cost debt

You can clean up past borrowing decisions.

• Short-term expensive loans
• Credit cards used for business purchases
• Scattered equipment loans

Reshape them into clearer, cashflow-friendly repayments.

You don’t need to guess what’s financeable. Tell us your upcoming costs — we’ll map out what to finance and what to pay cash for.

Next step: sense-check your expenses

List your big costs for the next 6–12 months — vehicles, tech, equipment, fit-out, stock, ATO — and we’ll help structure them properly.

See what I can finance Talk to a broker