Asset Finance
Finance 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.
What We Finance
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.
From 1.5-tonne mini excavators through to full-size tracked excavators for civil and earthmoving work. New and used, dealer and private sale.
Skid steer loaders, compact track loaders and wheel loaders. Common on residential construction and landscaping sites across the south-east corridor.
Plant trailers, flat tops, drop decks, tag trailers and tipping trailers. Financed as standalone assets or alongside the equipment they are built to carry.
Rollers, compactors, graders, dozers and other civil plant. We work with lenders comfortable with specialised equipment valuations and used plant purchases.
Who We Help
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.
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.
Residential and commercial builders who need trailers, small plant or site equipment. Finance that moves as fast as your build program requires.
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.
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
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.
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.
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.
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
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 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.
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
Get a quick quote online or call us to discuss your equipment purchase. We work with lenders who understand construction and civil assets.
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