Plant & Machinery Finance
Finance the Equipment That Drives Your Business.
1800 678 880Mon–Fri 8am–6pm AESTFrom excavators to CNC machines, we finance all types of plant and machinery for Australian businesses. New, used, and refurbished.
- Compare 30+ lenders without touching your credit file
- Soft enquiry only — no credit checks until the right option is on the table
- Decisions in as little as 24 hours
$20K+
Finance from
7 years
Terms up to
New/Used/Refurb
Asset condition
30+
Lenders on panel
What is Plant and Machinery Finance and What Does it Cover?
Plant and machinery finance is a specialist equipment lending product for businesses purchasing heavy industrial plant, agricultural machinery, construction equipment, and manufacturing assets, structured to align repayments with the productive use of the equipment. It can be arranged as equipment finance via chattel mortgage, chattel mortgage for immediate ownership, or as a hire purchase. Transport operators should also explore truck finance for their fleet vehicles.
Construction Equipment
Finance excavators, bulldozers, graders, cranes, concrete pumps, and all construction plant with lenders who understand the industry.
Advantages
- Excavators and earthmoving plant
- Cranes and lifting equipment
- Concrete and paving equipment
- New, used, and refurbished accepted
Manufacturing Machinery
Keep your production floor running with finance for CNC machines, laser cutters, injection moulding equipment, presses, and all manufacturing plant.
Advantages
- CNC and precision machinery
- Laser and cutting equipment
- Presses and fabrication plant
- Imported machinery considered
Agricultural Equipment
Finance tractors, harvesters, headers, irrigation systems, and all agricultural machinery. Seasonal repayment structures available.
Advantages
- Tractors and harvesters
- Irrigation and water systems
- Seasonal repayment options
- Rural and regional lenders available
Mining & Resources Equipment
Specialist finance for mining plant, drilling equipment, underground machinery, and resources sector assets.
Advantages
- Underground and surface equipment
- Drilling and exploration plant
- Processing and screening equipment
- FIFO and remote operations supported
How It Works
From enquiry to equipment on-site, we make finance simple.
Describe Your Asset
Tell us what equipment you need to finance, type, age, condition, and purchase price. Our form takes 2 minutes to complete.
We Find the Right Lender
Our team searches our panel of 30+ lenders including specialists in plant, machinery, and industry-specific equipment finance.
Compare Your Options
We present tailored finance options with clear rates and terms. Choose the structure that best suits your business cash flow.
Get Your Equipment
Finance is settled with the vendor or dealer directly. Your equipment arrives and you start generating revenue immediately.
Common Questions
What types of plant and machinery can be financed?
Almost any plant or machinery used in a business can be financed, including construction equipment, manufacturing machinery, agricultural plant, mining equipment, food processing machinery, and more. New, used, and refurbished assets are all considered by lenders on our panel.
Can I finance used or refurbished equipment?
Yes. Many of our lenders specialise in used and refurbished plant and machinery. The age, condition, and residual value of the asset are assessed as part of the application. Having a valuation or dealer invoice can help speed up the process.
What finance structures are available for plant and machinery?
Common structures include chattel mortgage, finance lease, hire purchase, and operating lease. Each has different tax and accounting implications. We can help you identify which structure best suits your business needs and speak with your accountant about the right approach.
How long can I finance plant and machinery over?
Terms typically range from 1 to 7 years depending on the asset type, age, and the lender. Longer terms reduce monthly repayments but increase total interest paid. We can model different scenarios to help you find the right balance for your cash flow.
Do I need a large deposit to finance plant and machinery?
Not necessarily. Many lenders offer up to 100% finance on plant and machinery, especially for new assets or well-established businesses. Some used or specialised equipment may require a deposit. We will advise you on the likely requirements based on your specific situation.