Finance the heavy equipment your business relies on without the upfront strain on cash flow.
A heavy machinery loan helps you fund high-value equipment like cranes, excavators, tractors, harvesters, and other large commercial machinery your business relies on, without tying up the cash flow needed to keep operations running.
Financing is typically structured as a chattel mortgage, hire purchase, or lease agreement.
You may be eligible for a heavy equipment loan if your business:
Specific criteria can vary between lenders and products.
Make manageable repayments over time, so budgeting is easier and more predictable.
Access the equipment you need without tying up a huge chunk of your capital.
Get the latest machinery so your team can work smarter, safer, and faster.
Depending on your loan type, repayments or depreciation may be tax-deductible.
Trading in ageing machinery against a new purchase can offset a big chunk of the cost, especially while resale values hold up.
Make manageable repayments over time, so budgeting is easier and more predictable.
Access the equipment you need without tying up a huge chunk of your capital.
Get the latest machinery so your team can work smarter, safer, and faster.
Depending on your loan type, repayments or depreciation may be tax-deductible.
Trading in ageing machinery against a new purchase can offset a big chunk of the cost, especially while resale values hold up.
Make manageable repayments over time, so budgeting is easier and more predictable.
Access the equipment you need without tying up a huge chunk of your capital.
Get the latest machinery so your team can work smarter, safer, and faster.
Depending on your loan type, repayments or depreciation may be tax-deductible.
Trading in ageing machinery against a new purchase can offset a big chunk of the cost, especially while resale values hold up.
N/A
$5,000
Medium
From 6.99%
7 years
3 years
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
Sign your finance documentation and receive funding. It is that simple.
Yes, a heavy machinery loan can cover both new and used equipment, giving you flexibility to get the gear your business needs without waiting to save up.
You may be able to get a loan with a small deposit (10-30%) or even no deposit at all. The asset itself often acts as collateral to offset the lender's risk.
Rates vary depending on the lender, asset type, loan term, and your business profile. Stronger credit history and larger deposits can help secure more competitive rates.
Most businesses finance heavy machinery through a chattel mortgage or hire purchase, since owning the asset outright is typically the goal. With high-value, slower-depreciating equipment like excavators, cranes, and harvesters, a balloon payment structure is common. You make a lump sum payment at the end of the loan term, usually significantly higher than prior ones, which reduces your monthly repayments and frees up short-term cash flow.
Leasing is also worth considering if you'd rather not carry resale risk on an asset that will need replacing or upgrading over time. The right choice depends on your cash flow, ownership goals, and how long you'll use the equipment. If you're not sure, we can help you compare lenders and loan products to find the best fit for your situation.
Yes, you can usually pay off your heavy equipment loan early. A small fee may apply, so it’s worth checking before you commit.
Often, you can trade in old machinery as part of your finance arrangement, which can help reduce the loan amount and free up cash for new assets.
Many lenders allow you to upgrade or refinance your machinery down the track, giving your business flexibility to keep equipment modern and efficient as your needs change.
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