The Ultimate Guide to Equipment Finance for Office Administrators

The Ultimate Guide to Equipment Finance for Office Administrators with Emu MoneyThe Ultimate Guide to Equipment Finance for Office Administrators with Emu Money

Office Administrators play a vital role in ensuring the smooth operations of businesses across Australia. From managing office supplies to handling administrative tasks, they are responsible for keeping the office running efficiently. In order to perform their duties effectively, Office Administrators often rely on various types of equipment. Enter equipment finance a crucial solution that can greatly benefit Office Administrators in Australia. Equipment finance involves obtaining funding specifically for the purpose of acquiring necessary equipment for business operations. Whether it's upgrading computers, purchasing printers, or investing in office furniture, equipment finance provides the means to acquire these essential tools without straining the company's cash flow. The importance of equipment finance for Office Administrators cannot be overstated. By utilising equipment finance, Administrators can gain access to the latest technology and equipment without large upfront costs. Instead of depleting their working capital, Office Administrators have the option to spread the cost of equipment over a specific period of time with manageable monthly payments. This allows them to allocate their financial resources strategically and invest in other areas of the business. Additionally, equipment finance offers tax benefits for businesses. By leasing or financing equipment, Office Administrators can potentially deduct both the interest paid on the finance agreement and the depreciation of the equipment as tax deductions. These tax advantages enable Office Administrators to minimise costs and enhance the overall financial health of the company.

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What is Equipment Finance?

Office Administrators in Australia often require a wide range of equipment to efficiently carry out their day-to-day tasks. However, purchasing all the necessary equipment outright can be a significant financial burden for businesses. This is where equipment finance comes into play. Equipment finance is a financial solution specifically designed to help businesses acquire the equipment they need without having to make a large upfront investment. It involves entering into a finance agreement with a lender, who provides the necessary funds to purchase the equipment. Office Administrators can then make regular repayments over a predetermined period of time, making it more manageable for them to acquire and utilise the equipment. This type of finance is commonly used for a variety of office equipment, such as computers, printers, scanners, telephone systems, furniture, and even specialised machinery. The terms of the finance agreement can vary depending on the needs of the business and the equipment being financed. Office Administrators have the flexibility to choose the repayment period and structure that suits their budget and cash flow. One of the popular options for equipment financing is a lease agreement, where the equipment is effectively rented for a specific duration. At the end of the lease term, the Office Administrator may have the option to either purchase the equipment for a predetermined price or upgrade to new equipment. Another option is a hire purchase agreement, where the Office Administrator pays for the equipment in regular instalments and becomes the owner at the end of the agreement. Equipment finance provides Office Administrators with the opportunity to acquire essential equipment without tying up significant capital or affecting their cash flow. It enables businesses to stay up-to-date with the latest technology and office equipment while spreading the costs over time. With a clear understanding of what equipment finance is and how it works, Office Administrators can make informed decisions about obtaining the necessary equipment for their office needs.

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Top 10 Types of Equipment Office Administrators Can Purchase With Equipment Finance

With equipment finance, Office Administrators in Australia can acquire essential equipment such as computers, printers, and scanners without having to make a large upfront investment. This allows them to efficiently manage documents, generate hard copies, and convert physical documents into digital files, all while preserving their working capital.

Here are some common types of equipment Office Administrators can purchase with equipment finance:


Computers are a fundamental tool for Office Administrators, enabling them to manage documents, communicate effectively, and perform various office tasks efficiently.


Printers are essential for generating hard copies of important documents, reports, and presentations.


Scanners allow Office Administrators to convert physical documents into digital files, making it easier to store, share, and organise information.

Telephone Systems

A reliable telephone system is crucial for effective communication within and outside the office, ensuring seamless connectivity.


Office furniture, including desks, chairs, and storage units, provides a comfortable and organised workspace for Office Administrators.


Photocopiers facilitate the duplication of important documents, saving time and ensuring multiple copies are readily available when needed.


Shredders are used to securely dispose of confidential documents, protecting sensitive information and maintaining privacy.


Projectors are useful for presentations, training sessions, and meetings, allowing Office Administrators to display information on a larger screen.

Conference Room Equipment

This includes audio/video conferencing systems, whiteboards, and presentation tools, enabling effective collaboration and communication in meetings.

Office Software

Various software applications, such as productivity tools, accounting software, and project management systems, help Office Administrators streamline their tasks and enhance productivity.

Top 10 Ways Office Administrators Use Equipment Finance For Growth

Office Administrators can utilise equipment finance to fuel growth in their organisation. By upgrading technology, enhancing communication systems, expanding office space, and investing in security systems, they can improve productivity, efficiency, and employee satisfaction. Equipment finance enables them to acquire essential tools and resources to support business growth and stay ahead in a competitive market.

Here are some common reasons Office Administrators use equipment finance for growth:

Upgrading Technology

Office Administrators can use equipment finance to upgrade their computers, software, and other technological tools, enabling them to work more efficiently and keep up with industry advancements.

Enhancing Communication Systems

With equipment finance, Office Administrators can invest in advanced telephone systems, video conferencing tools, and other communication technologies to streamline internal and external communication.

Expanding Office Space

By utilising equipment finance, Office Administrators can acquire additional office furniture, partitions, and storage solutions, allowing for a more organised and productive workspace as the company grows.

Improving Print and Copy Capabilities

Office Administrators can enhance their print and copy capabilities by using equipment finance to acquire high-quality printers, copiers, and scanning equipment, improving efficiency and reducing outsourcing costs.

Investing in Security Systems

Equipment finance allows Office Administrators to invest in advanced security systems such as surveillance cameras, access control systems, and alarm systems, ensuring the safety of the office premises and protecting sensitive information.

Increasing Employee Productivity

By using equipment finance, Office Administrators can provide employees with ergonomic chairs, adjustable desks, and other workspace tools that promote comfort and productivity.

Streamlining Document Management

Office Administrators can utilise equipment finance to implement document management systems, scanners, and software that facilitate efficient storage, retrieval, and organisation of documents.

Supporting Training and Development

With equipment finance, Office Administrators can invest in training equipment, online learning platforms, and e-learning tools to foster professional development and skill enhancement for employees.

Enhancing Presentation Capabilities

Office Administrators can use equipment finance to purchase projectors, interactive whiteboards, and audiovisual equipment to deliver impactful presentations, both internally and externally.

Automating Administrative Tasks

Equipment finance enables Office Administrators to invest in automation tools and software that eliminate manual administrative tasks, freeing up time for higher-value activities and increasing overall efficiency.

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Advantages of Equipment Finance for Office Administrators

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

Technology Upgrades

With equipment finance, Office Administrators can easily access the latest technological advancements without having to make a large upfront investment. This allows them to stay competitive by utilising advanced equipment that improves efficiency and productivity in the office. Examples of equipment to finance include computers, software, printers, and communication devices.

Cash Flow Preservation

Equipment finance enables Office Administrators to preserve their cash flow by spreading the cost of equipment over a fixed period. Instead of depleting their working capital, they can make smaller monthly payments that align with their budget. This allows them to allocate their cash towards other important aspects of the business, such as employee salaries and operational expenses.

Flexibility and Scalability

Office Administrators often face changing business needs, such as expansion or downsizing. Equipment finance provides the flexibility to upgrade or downgrade equipment based on these evolving requirements. It allows them to easily adapt to market changes, without being tied down to obsolete or unnecessary equipment.

Tax Benefits

Office Administrators can take advantage of tax benefits by opting for equipment finance. Depending on the structure of the finance agreement, they may be eligible for tax deductions, including depreciation and interest. These tax benefits can help reduce the overall cost of equipment ownership and lower the financial burden on the business.

Disadvantages of Equipment Finance for Office Administrators

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

Financial Commitment

Office Administrators should carefully consider the financial commitment involved in equipment finance. While spreading the cost over a fixed period can help with cash flow, it's important to assess whether the monthly payments align with the business's long-term financial goals and projections.

Potential Depreciation

Equipment value may depreciate over time, especially in rapidly evolving industries. Office Administrators need to consider the potential impact of depreciation on the value of the financed equipment. It's important to choose equipment with a longer lifespan or opt for finance terms that align with the useful life of the equipment.

Interest Rates and Fees

Office Administrators should be mindful of the interest rates and fees associated with equipment finance. It's important to compare offers from different lenders and thoroughly understand the terms and conditions. By conducting proper research and negotiating with lenders, it's possible to find options with competitive rates and minimal fees.

Flexibility Constraints

While equipment finance offers flexibility, there may be certain limitations on modifying or upgrading the financed equipment. Office Administrators should consider whether they have the flexibility to adapt to changing technology or business needs during the finance agreement. It's important to have a clear understanding of the terms and conditions surrounding modifications, upgrades, and early termination of the finance agreement.

Equipment Financing Alternatives for Office Administrators

Summary: Office Administrators have alternatives to equipment finance, including leasing, equipment rental, equipment sharing, and vendor financing. These options provide flexibility, cost-sharing opportunities, and the ability to access equipment without hefty financial commitments. It allows Office Administrators to choose the best solution that meets their specific needs and circumstances.

Here are some common alternatives to equipment finance:


Leasing provides Office Administrators with the option to use equipment for a specific period while making regular payments. At the end of the lease term, the equipment can be returned, upgraded, or purchased at a predetermined price.

Equipment Rental

Office Administrators can consider equipment rental as an alternative to purchasing or financing. Renting allows access to the necessary equipment for a temporary or short-term basis, without the long-term financial commitment.

Equipment Sharing

Collaborative arrangements such as equipment sharing platforms enable Office Administrators to share the use and costs of equipment with other businesses. This option promotes cost-sharing and can be beneficial, especially for equipment that is only needed occasionally.

Vendor Financing

Some equipment vendors offer financing options directly to customers. This alternative enables Office Administrators to finance equipment purchases through the vendor, often with more favourable terms and a streamlined application process.

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.

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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?