Suitable Terms
Consider allowing the acquisition expense to be spread over a suitable term, with workable repayments. In order to most effectively achieve its purpose, the financing solution must be tailored to the specific business.
Fast Access to Tailored, Targeted, Lower Rate Heavy Equipment Loans
When heavy machinery is unserviceable, obsolete, not fit for the current project, or when additional units are needed to increase production, operators can require prompt attention and solutions for industrial machinery loans.
Why Jade Finance?
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Equipment Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Powering Your Projects, Maximising Your ROI
Machines need to be acquired and operational as fast as possible to deliver for the operator, and for the project schedule. The construction equipment financing can be critical to the outcome – in the timing, the suitability to the operation, and most importantly, the cost.
As specialists in heavy equipment lending, we deliver for customers on all counts. We take an individual approach to sourcing the lowest interest rates from across many specialist heavy equipment finance companies, structuring tailored, targeted solutions, and we do it quickly. Delivering financing solutions to target ROI, productivity, suit cash flow, from the most suitable lenders, at the lowest available rates and most flexible terms.
Introduction to Heavy Equipment Finance Australia
Heavy equipment financing can be crucial to many operations, allowing businesses to acquire essential machinery without large upfront costs impacting cash flow and cash reserves.
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Covering the Industry
We work across all industries that operate heavy machinery – mining, construction, forestry, agriculture, to deliver targeted solutions. Sectors with a range of operational set-ups and varied and specific requirements when it comes to industrial machine financing.
Not All Loans Are Equal
Industrial machinery loans are available through a range of heavy equipment finance companies and banks. But there are variations across the sector when it comes to interest rates, approval criteria, the individual approach to tailoring financing packages, and the speed at which the process is conducted.
Broker Assistance
Our brokers support and assist operators by handling the entire heavy machinery loan process, securing the best deal from across our vast lender base. For fast attention to your mining, agricultural, and construction equipment finance needs, contact us today.
Benefits of Jade
- Financing to avoid large upfront acquisition costs.
- Solutions for all industries – construction, mining, forestry, agriculture.
- Individually tailored industrial machine loans.
Get Real Benefits when Choosing Jade Finance for Heavy Equipment Loans
Whether a large or small sole trader operation, many business owners and operators are well aware of the time, frustration and often confusion they are confronted with when they need financing for heavy equipment.
- Specialist heavy equipment finance companies.
- Australia-wide industrial machinery loan services.
- Best rates, flexible terms, from 80+ lenders.
- Personal service, high level expertise.
- No Doc, Low Doc Lenders for new, start-up operations.
Equipment finance guides and resources
Our guides offer quick comparisons and simple explainers to help you power through the financing process with confidence.
Equipment Finance
Heavy Equipment Finance
Specialised Equipment Finance
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Expert Solutions for Every Industry
Trying to find which lender understands their machine and their particular sector, which one is offering the best rates. Often facing brick walls when it comes to any suggestion of negotiating on rates, terms and conditions, and facing continual delays.
Key reasons why many operators are already realising the benefits of choosing Jade Finance to handle their industrial machinery loans. We provide distinct, tangible advantages when it comes to catering for the specific needs of industry sectors, and individual operations.
We provide access to more than 80 lenders, which includes specialist heavy equipment finance companies in many industries. This access can be key to the flexibility and the cost of the financing. We identify which is the lender that is aligned with the operator profile, and with our industry-level connections and sharp skills, negotiate directly for individual outcomes.
The results for our customers include the best rates from vast lending market coverage, flexible loan terms, individually structured solutions, and fast approval and settlement. We’ve been operating in the commercial lending sector for over 25 years and have those vital lender connections, the experience, and the expertise that operators are looking for when sourcing heavy equipment loans.
Our personalised service ensures the specific needs of each customer are addressed. Whether a large corporation, SME, sole trader, family enterprise or a partnership. Whether the acquisition is one machine or multiple units. Whether the machines are top of the range or best value budget models. Whether the operator is in a city, a regional area, or the most remote site. All financing solutions are delivered to suit the requirements to operators across Australia for all types of machinery.
New and start-up operators can face their own set of challenges when sourcing construction equipment loans. Particularly meeting approval criteria for time in business and consequently, not having full financial documentation.
We assist with access to lenders that offer no doc equipment loans at workable rates and terms. Let’s get started.
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Credit Facilities We Provide for Heavy Equipment Financing
We offer the complete range of credit facilities for financing heavy equipment. These facilities differ with their suitability to different operational set-ups, accounting methods, and financial objectives for the business. Our comprehensive selection includes Chattel Mortgage, Leasing, Rent-to-Own and Commercial Hire Purchase.
In deciding which is most suitable for their business, operators are strongly advised to consult with their accountant. The differences across the facilities include:- suitability to cash or accruals methods of accounting; with the ownership of the machine over the financing term which in turn impacts the balance sheet; the interest rates; and the tax-deductible components.
With all options, we secure the lowest fixed interest rates and negotiate flexible terms up to 7 years. Repayment schedules are fixed on a monthly basis and balloons, residuals and buybacks are structured in to deliver workable, cost-effective outcomes.
All credit facilities can be sourced by our experts for new businesses, start-ups, sole traders, large enterprises, contractors and family enterprises.
For industrial equipment loan estimates to start preparing budgets, use our heavy equipment finance calculator or just contact us for a quick quote.
- Full selection of industrial equipment loan options.
- Leasing, Chattel Mortgage, CHP, Rent-to-Own
- Fixed rates, fixed terms up to 7 years, fixed repayments.
- Individually structured loans to suit cash flow, specific objectives.
- Sole trader, corporate, partnership, contractor, family enterprise solutions.
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![Variety of Loan Options for Business Vehicle Financing]()
Streamlined Application Process, Assistance with Eligibility Criteria for Construction Equipment Financing
Our personalised approach and individual assistance deliver a smooth, streamlined and time-saving process for applying and getting approved for heavy equipment loans. Your Jade broker will first check your eligibility in order to match your profile with the right lender.
The criteria for eligibility for commercial finance include holding a current ABN, providing verifiable identification, and providing a selection of financial documentation around the business. The type of documentation includes annual accounts, annual tax returns, bank statements, profit and loss statements, BAS returns, and asset and liability schedules. Where a business does not have all or any of these documents, we will work with one of our specialist lenders for a ‘without financials’ offer.
The credit profile of the business is checked by lenders when assessing the application. For businesses with issues around their credit score, we work to secure the best offer from suitable lenders.
The process is fast and simple. Supply us with your details and docs, and we handle the rest.
- 24 hour heavy equipment loan approval.
- Streamlined application process, handled by experts.
- Lender options for many business profiles.
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Types of Machines Eligible for Heavy Equipment Financing
We know the industries, we know the operations and we provide financing for the full range of machinery used across mining, construction, agriculture, land management, forestry and others. Construction equipment financing can be secured for bulldozers, earthmovers, diggers, excavators, graders, trenchers, loaders, concrete mixers, cranes, backhoes, both new and used, standard and customised. Accessories can be included in the loan package, subject to approval.
Our industrial machinery loans cover all major and less known brands including Caterpillar, Hitachi, Komatsu, John Deere, JCB, Volvo, Zoomlion, CASE, IH, Kobelco, Liebherr, Bobcat, Kubota, Hyundai, Develon, and Sany. Loans for units purchased from dealers, private sellers, at field day and at auction. Get a quick quote or use our heavy equipment loan calculator to compare makes and models.
- Financing all types of machines.
- All manufacturers, makes and models.
- Compare options with heavy equipment loan calculator.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 20/12/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
We work harder to secure the best rates.
Heavy Equipment Loans FAQs
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Machinery considered as a business asset can be financed with Leasing, CHP, Rent-to-Own or Chattel Mortgage.
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The interest rate offered will depend on the credit profile, the strength of the financials and the lender guidelines as well as the current market.
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Yes. Financing options are available for sole traders.
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Operators without financials can engage a broker to source low doc financing.
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Leasing and Rent-to-Own repayments are deductible. Interest on Chattel Mortgage and CHP are deductible and the machine subject to depreciation for a deduction.
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Second-hand machines can be financed with the same credit facilities as new machinery.
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Offers on machinery loans can vary across industry sectors. The offer can reflect the individual lender’s approach to that industry.
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Operators can use an online financing calculator to obtain estimates to compare models.
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When buying at auction, operators can get conditional approval prior to the sale. This is based on an estimate of the loan and an indication of the machine to be purchased. After purchase, the specifics are provided and a final loan offer received.
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Commercial credit facilities allow for the machinery to be the sole security for most applicants.