Asset Finance

Yellow Goods Finance & Loans for Trades and Construction

Yellow goods loans for excavators, loaders, trailers and earthmoving plant. We work with lenders experienced in construction and civil assets, so your equipment gets funded without the runaround.

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What we can help with

✓Excavators and mini excavators
✓Skid steers and compact loaders
✓Trailers, flat tops and drop decks
✓Compactors and rollers
✓Graders and dozers
✓New and used equipment

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What We Finance

Trailers, Yellow Goods and Construction Plant

Yellow goods is the industry term for earthmoving and civil construction equipment. Combined with trailers, this is one of the most active areas of asset finance for trades and construction businesses across Melbourne's growth corridor.

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Excavators

From 1.5-tonne mini excavators through to full-size tracked excavators for civil and earthmoving work. New and used, dealer and private sale.

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Skid Steers & Loaders

Skid steer loaders, compact track loaders and wheel loaders. Common on residential construction and landscaping sites across the south-east corridor.

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Trailers

Plant trailers, flat tops, drop decks, tag trailers and tipping trailers. Financed as standalone assets or alongside the equipment they are built to carry.

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Compaction and Earthmoving Plant

Rollers, compactors, graders, dozers and other civil plant. We work with lenders comfortable with specialised equipment valuations and used plant purchases.

Who We Help

Trades and Construction Businesses

This type of finance is built for businesses that earn from their equipment. Getting the right funding in place quickly means less downtime and more time on the job.

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Earthmoving and Civil Contractors

Owner-operators and small civil contractors adding to or upgrading their plant. We understand the time pressure of winning a contract and needing equipment in place quickly.

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Builders and Subcontractors

Residential and commercial builders who need trailers, small plant or site equipment. Finance that moves as fast as your build program requires.

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Landscapers and Groundswork Businesses

Mini excavators and skid steers are standard tools for landscaping businesses. We help operators finance the equipment that makes them productive, whether they are buying their first machine or adding to the fleet.

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Transport Operators

Flat tops, drop decks and plant trailers for businesses moving machinery and materials around job sites and across Melbourne. Often financed alongside the truck that pulls them.

Finance Structures

How Yellow Goods and Trailer Finance Can Be Structured

Most yellow goods and trailer purchases are by businesses with an ABN, which opens up a range of commercial finance structures. We recommend discussing the most suitable option with your accountant before committing.

Chattel Mortgage

The most common structure for business asset purchases. You own the asset from day one, and it acts as security for the loan. Regular repayments are made over an agreed term. A balloon or residual payment at the end of the term can reduce regular repayment amounts.

Finance Lease

The lender owns the asset during the lease term and you make regular lease payments. At the end of the term, you typically have the option to purchase the asset, extend the lease or return it. Suitable where off-balance-sheet treatment is preferred, subject to your accounting arrangements.

Commercial Hire Purchase

You hire the asset from the lender over an agreed term with regular payments. Ownership transfers to you once all payments are complete. Similar in structure to a chattel mortgage in many practical respects, with some differences in accounting treatment.

How It Works

Three Simple Steps

Tell Us About the Asset

Share details about the equipment or trailer you need to finance, including whether it is new or used and where you are buying from. We will also ask about your business and ABN status to confirm what structures are available.

We Match You to the Right Lender

We assess our panel for lenders with appetite for your equipment type, age and value. We present your options clearly and handle the application on your behalf.

Get the Equipment Working

Once approved and settled, your equipment is ready to go. For many standard applications, this process can move quickly once paperwork is in order.

Common Questions

Yellow Goods Finance FAQs

What are yellow goods?

Yellow goods is an industry term for earthmoving and construction equipment, typically painted yellow. This includes excavators, bulldozers, graders, loaders, skid steers, compactors and similar plant and machinery used on civil and construction sites.

Can I finance used earthmoving equipment?

Yes. Many lenders on our panel finance both new and used yellow goods and trailers. Age, condition, hours of use and the type of equipment influence which lenders will assist and on what terms.

What finance structures are available for trailers and yellow goods?

Chattel mortgage is the most common structure for business buyers, with the asset used as security and ownership transferring to the buyer at settlement. Finance lease and commercial hire purchase are also available depending on the asset type and your business circumstances. We recommend discussing the most suitable structure with your accountant.

Can I finance a trailer and tow vehicle together?

In some cases yes. Some lenders will finance a trailer and associated vehicle under a combined arrangement. This depends on the lender, asset types and total loan amount. We can assess what is available for your specific purchase.

How quickly can trailer and yellow goods finance be arranged?

For straightforward applications with standard equipment, approvals can often be obtained within one to three business days once documentation is complete. More complex or high-value applications may take longer.

Local finance broker

Yellow Goods Finance Near You

Need Finance for Trailers or Construction Plant?

Get a quick quote online or call us to discuss your equipment purchase. We work with lenders who understand construction and civil assets.