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Specialist and heavy plant finance
Finance for the plant that does the heavy lifting.
Plain-English guides for contractors, quarry and recycling operators, tree and land-clearing crews and farmers buying cranes, crushing plant, chippers, telehandlers and tractors.
- Free to enquire
- No obligation
- General information only
- ASIC MoneySmart
Start with your machine
Five kinds of plant, five different finance questions.
Cranes, crushers, chippers, telehandlers and tractors each earn in their own way, wear in their own way and sell into their own market. Pick the one closest to yours.
Cranes and lifting
- Buyers
- Crane hire firms, steel and civil contractors
- Ask about
- Inspection records, licensed operators, ground and site risk
Crushing and screening
- Buyers
- Quarry, recycling and civil operators
- Ask about
- Wear parts, tonnes per day, moving between sites
Chippers and mulchers
- Buyers
- Tree, land-clearing and vegetation crews
- Ask about
- Own or subcontract, knives and feed system
Telehandlers
- Buyers
- Farms, yards, builders and hire fleets
- Ask about
- Attachments, operator tickets, hire-fleet resale
Tractors and implements
- Buyers
- Farmers and contract operators
- Ask about
- Depreciation, trade cycles, implement condition
Why specialist plant is different
Plant is bought for the contract, so finance should follow the work.
A general loan guide will not tell you how a crane earns or how a crusher wears. These are the four questions that come up again and again.
Utilisation
How many days a month does it really work, and what covers the repayment in the quiet ones?
Wear and consumables
Liners, knives, screen media and wire rope are a running cost that moves with the work.
Paperwork and tickets
Inspection records, licences and operator availability can matter as much as the steel.
The exit
Specialist plant sells into cyclical markets. Plan how it leaves before it arrives.
The rated figure is a ceiling, not an average.
Work out what the machine will really earn across a month before you compare repayments.
The path of a purchase
From quote to commissioning.
A typical sequence for buying plant with finance. Every business and lender differs, so treat it as a map rather than a rule.
Scope the work
Decide what the machine must do, how often and for whom.
Price the package
Attachments, float, tickets, wear parts and set-up sit beside the sticker price.
Check the numbers
Compare repayments, fees, term and the end-of-term position.
Enquire for finance
A lender assesses the business and the asset against its own criteria.
Deliver and commission
Inspection, handover, operator sign-off, then work.
Illustrative only
How a quote might read.
A made-up example to show the shape of the numbers. It is not an offer, and real terms depend on the lender, the asset and your business.
- Example machine price (ex GST)
- $120,000
- Example term
- 5 years
- Example rate
- from 8.5% p.a.*
- Example monthly repayment
- about $2,460
*Illustrative only, not a quote. The comparison rate will differ once fees and charges are included. Always compare the comparison rate, fees and total cost. See ASIC MoneySmart for independent guidance.
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Read postReady to talk specialist plant finance?
Enquiries are free and carry no obligation. Compare total cost and terms before you agree to anything.