Machinery and Plant Finance for Construction, Trades and Manufacturing
Finance excavators, loaders, forklifts, CNC equipment, workshop plant and manufacturing machinery. Specialist asset lenders, structured around the asset and your business.
Subject to lender assessment and approval. ACL 384704.
Machinery Finance — Quick Guide
- Structure — chattel mortgage or finance lease
- Term — 1–7 years depending on asset
- New & used — both accepted; valuations on used
- Deposit — 0–30% depending on profile and asset
- Industry lenders — construction, manufacturing, agri panels
- Tax — GST + depreciation + interest deductible (confirm)
Machinery Categories We Finance
Plant and machinery across construction, trades, manufacturing and warehousing.
Earthmoving & Construction
Excavators, loaders, skid-steers, dozers, graders.
- Specialist construction lenders
- Used assets routinely accepted
- Pair with civil truck and trailer deals
Forklifts & Warehouse
Counterbalance, reach, narrow-aisle, electric and LPG.
- Mainstream lender appetite
- Fleet deals possible
- Operating lease an option for fleets
CNC & Manufacturing
CNC machining centres, lathes, presses, fabrication gear.
- Specialist manufacturing lenders
- Often longer terms on big-ticket assets
- Install and commissioning often financed too
Workshop & Trades Plant
Compressors, generators, hoists, lasers, dust extraction.
- Smaller-ticket auto-decisioned
- Bundled fitout deals possible
- Suits panel beating, mechanical, fab shops
Documents Lenders Want
- ABN trading history
- Bank statements or BAS for low-doc paths
- Asset & liability position
- Invoice or supplier quote
- Used asset? — service history / inspection if requested
- Industry references for newer ABNs in specialty trades
Frequently Asked Questions
Can I finance second-hand machinery?
Yes. Used machinery is routinely financed by specialist asset lenders. Age limits and valuation requirements vary by asset class. For older or specialty plant, an inspection or service history may be required.
How long can the term be on big machinery?
Up to about 5 years on most plant, sometimes 7 years on bigger CNC, manufacturing or earthmoving assets. The lender matches term to expected useful life and residual value.
Can I finance install and commissioning costs?
Yes — install, freight and commissioning costs can usually be bundled into the same chattel mortgage, provided they’re on supplier invoices and reasonable as a proportion of the total spend.
Related Asset Finance Pages
Need machinery financed?
Speak with Jorden about which specialist lender best fits the asset, your industry and your ABN.