The Ultimate Guide to Equipment Finance for Computer Wholesalers

The Ultimate Guide to Equipment Finance for Computer Wholesalers with Emu MoneyThe Ultimate Guide to Equipment Finance for Computer Wholesalers with Emu Money

As a Computer Wholesaler in Australia, having access to the latest technology and equipment is crucial to stay competitive in the rapidly evolving industry. However, purchasing new equipment outright can be a significant financial burden, especially for small businesses. This is where equipment finance comes in as an essential solution. Equipment finance allows Computer Wholesalers to acquire the necessary equipment without the need for a large upfront capital investment. Instead, businesses can opt to finance the equipment and make regular repayments over a fixed period. This helps to spread the cost and manage cash flow more effectively. With equipment financing, Computer Wholesalers can access a wide range of equipment, including computers, laptops, servers, networking devices, and more. Whether you need to upgrade existing systems, expand your inventory, or invest in the latest technology, equipment finance provides the flexibility to do so without straining your budget. One of the advantages of equipment finance is the ability to customise repayment structures to suit your business needs. This may include options such as fixed or variable interest rates, flexible repayment terms, and the choice between leasing or hire purchase agreements. It's essential to work closely with a reputable lender who understands the specific requirements of Computer Wholesalers to tailor a finance package that aligns with your business goals. In the next section, we will explore the benefits of using an equipment finance calculator to determine the most suitable financing options for Computer Wholesalers. This tool can help you assess different scenarios and make informed decisions about equipment financing. Remember, equipment finance can be a game-changer for Computer Wholesalers, providing access to the latest technology while preserving cash flow and allowing for business growth. Let's delve into the specifics of equipment finance calculations next.

Ready to get started?

Compare over 40+ lenders with one application.

What is Equipment Finance?

Equipment finance is a valuable financing option for Computer Wholesalers in Australia. It provides a means to obtain the necessary technology and equipment without the need for a large upfront investment. So, how does equipment finance work? When a Computer Wholesaler decides to explore equipment finance, they typically partner with a reputable finance provider or lender. The process involves assessing the value of the equipment required and determining the best financing solution based on the business's specific needs and circumstances. The finance provider will evaluate factors such as the type of equipment, its expected lifespan, and the financial stability of the Computer Wholesaler. Based on this assessment, an appropriate finance option will be offered, which could include leasing or a hire purchase agreement. Leasing allows the Computer Wholesaler to use the equipment while paying regular lease payments. The finance provider retains ownership of the equipment throughout the lease term. On the other hand, a hire purchase agreement provides the option to purchase the equipment at the end of the finance term. The Computer Wholesaler makes regular payments towards owning the equipment outright. During the finance term, the Computer Wholesaler has full use of the equipment and can benefit from its functionality to drive business growth. At the end of the term, depending on the chosen finance arrangement, the equipment may either be returned to the finance provider or purchased outright. By leveraging equipment finance, Computer Wholesalers in Australia can access the latest technology and equipment without a substantial initial outlay. It enables businesses to stay competitive, scale operations, and meet customer demands effectively. In the following section, we will explore the benefits and advantages of equipment finance for Computer Wholesalers.

Want to learn more?

Learn about eligibility and how to apply.

Top 10 Types of Equipment Computer Wholesalers Can Purchase With Equipment Finance

Computer Wholesalers can utilise equipment finance to obtain vital equipment such as computers, servers, and networking devices. With this, they can optimise operations, manage inventory, and enhance communication within their business. Equipment finance ensures they have the necessary tools to thrive in the industry while effectively managing their capital.

Here are some common types of equipment Computer Wholesalers can purchase with equipment finance:


Computers are the backbone of any Computer Wholesaler's operations, allowing for inventory management, communications, and sales tracking.


Servers are critical for managing network operations and storing large amounts of data for Computer Wholesalers.

Networking Equipment

This includes routers, switches, and other devices necessary for establishing and maintaining a reliable network infrastructure.


Laptops provide the flexibility and portability needed for sales representatives and employees on the move.

Printers and Scanners

These devices facilitate document handling, printing invoices, and scanning important documents for archiving.

Storage Solutions

Equipment finance can be used to acquire storage solutions such as hard drives, network-attached storage (NAS) devices, or cloud storage services.

Point of Sale Systems

Point of Sale (POS) systems enable Computer Wholesalers to efficiently process transactions and manage inventory.

Software Licenses

Licensing fees for essential software programmes, such as antivirus software or productivity suites, can be included in equipment finance packages.

Security Systems

Video surveillance systems, access control systems, and alarm systems help protect both physical assets and digital data.

Audio-Visual Equipment

Computer Wholesalers may invest in audio-visual equipment for presentations, conferences, or creating marketing materials.

Top 10 Ways Computer Wholesalers Use Equipment Finance For Growth

Computer Wholesalers can leverage equipment finance to fuel their growth in various ways. They can upgrade their technology infrastructure, expand inventory, enhance warehouse operations, invest in e-commerce platforms, develop in-house tech support, and more. Equipment finance enables them to make strategic investments and stay competitive in the dynamic market.

Here are some common reasons Computer Wholesalers use equipment finance for growth:

Upgrading Technology Infrastructure

Computer Wholesalers utilise equipment finance to upgrade their technology infrastructure, ensuring they have the latest hardware and software to meet customer demands.

Expanding Inventory

Equipment finance allows Computer Wholesalers to invest in expanding their inventory, ensuring they have a wide range of products available to meet customer needs.

Enhancing Warehouse Operations

Computer Wholesalers can use equipment finance to acquire warehouse equipment such as forklifts, pallet racks, and conveyor systems to improve efficiency and streamline operations.

Investing in E-commerce Platforms

With equipment finance, Computer Wholesalers can invest in robust e-commerce platforms, enabling them to reach a wider customer base and drive online sales.

Developing In-House Tech Support

Equipment finance can be used to establish an in-house tech support team, ensuring timely assistance and efficient troubleshooting for customers.

Implementing CRM Software

Computer Wholesalers leverage equipment finance to implement customer relationship management (CRM) software, enabling them to organise customer data, manage leads, and enhance customer service.

Setting Up Showrooms or Demo Centers

Equipment finance helps Computer Wholesalers set up showrooms or demo centres where customers can explore products firsthand, leading to increased sales and customer satisfaction.

Enhancing Delivery and Logistics

Using equipment finance, Computer Wholesalers invest in delivery vehicles, GPS tracking systems, and other logistics equipment to improve the efficiency of their distribution processes.

Expanding Marketing Efforts

Equipment finance allows Computer Wholesalers to invest in marketing equipment and technologies, such as display screens, digital signage, and advertising displays, to promote their products effectively.

Research and Development

With equipment finance, Computer Wholesalers can allocate funds to research and development efforts, driving innovation and staying ahead in the ever-evolving technology industry.

Ready to run the numbers?

Calculate your repayment estimates and more.

Advantages of Equipment Finance for Computer Wholesalers

Equipment finance for Computer Wholesalers in Australia brings several advantages, enabling them to secure the necessary equipment for their operations. Here are some of the advantages:

Increased Cash Flow

By opting for equipment finance, Computer Wholesalers can preserve their working capital and maintain a steady cash flow. Instead of making large upfront purchases, they can spread out the cost over manageable monthly payments, allowing them to allocate their funds to other critical business expenses. This flexibility can help them adapt to market fluctuations and invest in growth opportunities.

State-of-the-Art Equipment

Equipment finance enables Computer Wholesalers to access the latest and most advanced technology without the burden of hefty upfront costs. They can lease or finance equipment that meets their specific needs, ensuring that they have access to state-of-the-art tools and machinery. This allows them to stay competitive, enhance productivity, and provide high-quality products and services to their clients.

Tax Benefits

Equipment finance offers Computer Wholesalers the advantage of tax benefits. Depending on their circumstances, they may be eligible to deduct the lease or finance payments as a business expense, reducing their taxable income. This can result in significant savings and improve their overall financial position.

Flexibility and Upgrades

As technology rapidly advances, Computer Wholesalers need the flexibility to upgrade their equipment to stay at the forefront of the industry. Equipment finance provides them with the opportunity to upgrade their machinery or technology at the end of the lease term or through flexible financing options. This ensures that they can continually adapt to evolving market demands and maintain a competitive edge.

Disadvantages of Equipment Finance for Computer Wholesalers

When considering equipment finance for Computer Wholesalers in Australia, it's important to be mindful of a few considerations. Here are a few potential disadvantages to think about:

Commitment to Monthly Payments

One consideration for Computer Wholesalers when opting for equipment finance is that they will be committed to monthly payments for the duration of the lease or financing term. This means they have an ongoing financial obligation, which may impact their cash flow and budgeting. It's essential to carefully assess their financial situation and ensure that they have the capacity to meet these payments consistently.

Accumulated Cost

While equipment finance allows for affordable monthly payments, Computer Wholesalers need to be mindful of the accumulated cost over time. Financing or leasing equipment may result in higher total costs compared to making an upfront purchase. It's important to carefully compare the long-term financial implications and determine if the benefits and advantages of equipment finance outweigh the potentially higher overall cost.

Ownership Considerations

With equipment finance, Computer Wholesalers may not have ownership of the equipment unless they choose to purchase it at the end of the financing term. This means they do not have the option to sell or modify the equipment as they would if they owned it outright. It's crucial to consider their long-term business plans and whether owning the equipment is a priority for them.

Restrictions on Usage

Certain equipment finance agreements may come with restrictions on how the equipment can be used. Computer Wholesalers need to be aware of any limitations or conditions that may impact their operations or affect their ability to utilise the equipment in the desired manner. It's important to review the terms and conditions of the agreement carefully and ensure that they align with their specific business needs and requirements.

Equipment Financing Alternatives for Computer Wholesalers

Computer Wholesalers have alternatives to equipment finance such as leasing, rental, vendor financing, and utilising a line of credit. Leasing provides flexibility for equipment upgrades, rentals offer short-term access, vendor financing streamlines purchasing, and a line of credit allows for flexible funding. Consider these alternatives based on specific business needs.

Here are some common alternatives to equipment finance:

Equipment Leasing

Computer Wholesalers can opt for equipment leasing as an alternative to equipment finance. Leasing allows them to use the equipment for a specified period by making regular lease payments. This option provides flexibility, as they can easily upgrade or switch to newer equipment at the end of the lease term.

Equipment Rental

Another alternative is equipment rental, where Computer Wholesalers can rent the necessary equipment for a specific duration. This option is beneficial for short-term projects or when they don't require the equipment on a regular basis. Renting equipment eliminates the need for long-term financial commitments and allows them to access the equipment they need without the burden of ownership.

Vendor Financing

Some equipment suppliers offer vendor financing options to Computer Wholesalers. This means that the supplier provides financing directly to the wholesaler for purchasing their equipment. This alternative streamlines the purchasing process and allows for customised financing terms that align with the wholesaler's needs.

Line of Credit

Computer Wholesalers may also consider utilising a line of credit from a financial institution to finance their equipment needs. With a line of credit, they can access funds as needed and pay interest only on the amount they utilise. This flexibility allows them to control their cash flow and have additional funds available for other business expenses if required.

Equipment Finance Repayment Calculator

To estimate your monthly repayments and the total cost of the loan, input the loan amount, loan term and interest rate into the calculator below. This helps you plan your budget and choose the most suitable loan terms.

Loan Amount
Establishment Fee
Loan Term (Years)
Interest Rate
Total amount to repay
Your repayments

Balance over time

Frequently Asked Questions

Still have questions about equipment finance?

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

What is the interest rate on equipment finance
Can I finance used equipment?
What is the typical term for equipment finance?
Do I need to provide a down payment?
Can I get equipment finance with bad credit?
Are there any tax benefits to equipment finance?
Can I pay off my equipment loan early?
Can I lease equipment instead of buying?
What is the difference between a lease and a loan?
What happens if the equipment breaks down?
Can I refinance equipment finance?
Is equipment insurance required?
Do I need a good business credit score for equipment financing?
Can I include installation, maintenance, and other costs in my loan?