Information on vending machine loans in Australia

What is a vending machine loan?

A vending machine loan is finance specifically for buying vending equipment. Because vending machines are tangible assets that hold their value, they're well suited to asset finance — where the machine itself can form part of the security — as well as general business loans and chattel mortgages.

Who can apply for a vending machine loan?

• New start operators buying their first machine or setting up a route
• Established vending operators expanding an existing business
• Vending companies financing a fleet of machines
• Businesses adding vending for staff or customers

You don't need years of trading history. New starts are welcome, and in many cases no financials are required.

How much can I borrow?

Loan amounts typically range from $5,000 up to $250,000 and beyond. The amount you can borrow depends on the equipment, your situation, and the lender's criteria.

What terms are available?

Repayment terms are generally available up to 60 months. You can choose a term that matches your expected income from the machines and keeps repayments manageable.

What can I finance with a vending machine loan?

• New and used drink, snack and combination vending machines
• Coffee and fresh food vending machines
• Multiple machines in one facility
• An established vending route (machines and placements)
• Refurbishment and upgrades to existing machines

How do I apply?

1. Complete our online application — it takes about five minutes.
2. We assess your application and match you with a suitable lender.
3. Once approved, your finance is arranged so you can buy your machines.

There's no obligation, and applying doesn't commit you to anything.

What do I need to apply?

• Your contact details (name, email, phone)
• Your business name and how long you've been operating
• The type and number of machines you want to finance
• The amount you'd like to borrow

How long does approval take?

Many applications are assessed within 24 hours. The exact timeframe depends on the lender and the amount.