Technology Finance · Asset Finance
Upgrade the systems now. Keep the cash working in the business.
Computers, servers, software and the systems behind them can all be funded, each in a different way. We know which structure fits which cost, which lenders say yes, and we tell you plainly.
$1.5b in settled lending
MPA Top Commercial Brokers
5.0 Google rating
Phone answered 24 hours
What happens next
Complex commercial transactions may carry a fee for service, quoted upfront: half at application, the balance only on approval. Enquiring won’t affect your credit score.
Why commercial through Evolve
Commercial is where we do our best work
Hardware, software, setup
Computers and servers are one funding problem, licences and implementation another. We fund each slice the way it suits, not everything under one product.
Deep lender relationships
Deep working relationships with 15 to 20 lenders, including funders with genuine appetite for technology assets that the major banks value at very little.
Matched to refresh cycles
Terms set to the equipment’s working life, so you are not still paying for gear you replaced a year ago. No surprises at the end.
Supplier offer, checked
Your supplier’s finance offer is sometimes the right one. We check its structure, term and end-of-term conditions against other lenders before you sign anything.
Case study
[SUPPLY: technology finance outcome in one line, no rate figures]
[SUPPLY: an anonymised technology finance outcome in four beats: situation, what other lenders said, what we did, result]
“Evolve Lending & Finance have looked after us a number of times we have always found the team to be very friendly courteous and they just get the job done we would not go anywhere else.”
Lyn, Google review
“It is refreshing to deal with a expert who really knows his stuff. At no time do you feel Mark and his team are not focused on delivering the very best for your situation. Thank you Mark and the team at Evolve Lending & Finance.”
Daniel, Google review
In plain terms
Technology finance, one slice at a time
Technology finance spreads the cost of the systems a business runs on: computers, servers, networking, point of sale and the software that ties them together. Technology loses value faster than almost any other business asset, which is exactly why paying cash for it rarely makes sense. The funding should match the equipment’s working life, not outlast it.
The structures differ. Hardware is financed the way vehicles and machinery are, under a chattel mortgage or a rental, alongside our wider equipment finance. Software licences and implementation leave a lender nothing to hold, so they are funded through a supplier’s payment plan where one exists, or through business loans sized to the project. Each slice goes to a lender with appetite for it. We can get it done.
Tell us what you are buying and what it needs to do. The answer will be straight: possible now, possible with changes, or not yet.
How it works
From first conversation to settlement
- Step
The recommendation
A 15 to 30 minute call about the equipment, the software and the business, then structure, lender, term and total cost in writing.
- Step
Loan application
Structure agreed with your accountant, then one application to the lender that fits, with a short document list: ABN, ID, statements and the supplier’s quote.
- Step
Lender approval
The lender assesses the business and the equipment. You hear the outcome and any conditions plainly, and nothing changes without your say-so.
- Step
Approval to settlement
We handle the loan documents, the tax invoice and settlement with the supplier. Delivery and installation then run to the supplier’s schedule.
Start with a straight answer
Call 1300 112 355