Excavator & yellow goods finance
Excavator and yellow goods finance, secured on the machine.
Excavators, mini diggers, skid steers, loaders and rollers, financed across a panel of 49 lenders. Find out what you can borrow before you talk to anyone.
- No credit check to enquire
- 49 lenders on the panel
- Typical approval 24–48 hours
Times are typical, not guaranteed.
What you need
Commonly financed
- Excavators and mini diggers
- Skid steers and loaders
- Rollers and compaction gear
- Attachments can often be included
Good to know
- Secured on the machine
- Yellow goods is usually financed against the machine itself, so the deal can lean on the asset rather than your financials alone.
- Attachments
- Buckets, hammers and augers can often be financed with the machine, where the lender allows it.
- New or used
- Both work. What changes between lenders is what they ask for: newer machines often suit more lenders than older ones.
FAQs
Excavator & yellow goods finance questions.
The questions I get asked most. Anything else, call or text me.
Reviewed by Rabi Alam · 14 September 2026
You need an active ABN to apply for business asset finance, but a newly registered ABN doesn't automatically rule you out.
How long your ABN has been registered changes which lenders will look at the deal and what they'll ask for. A newer ABN may mean a deposit, a clean credit file or evidence of experience in your trade. I check it against the ABR when you enquire, so we start from the real registration date.
Source: ABR business registration lookup
Not always. Low-doc asset finance is commonly assessed on BAS statements and business bank statements instead of full tax returns.
Larger loans, some asset types and some lenders will still ask for financials. I'll tell you on the first call exactly which documents your deal needs.
Enquiries start from any amount, but asset finance is usually best value from around $10,000 upwards.
Below that, a dedicated asset loan often isn't the cheapest way to buy, and I'll say so honestly if something else suits you better.
Conditional approval typically comes back in 24–48 hours once I have what the lender needs, and many deals settle within 3–7 days.
The biggest variables are how quickly documents come back, the supplier's paperwork and, for private sales, the PPSR check and inspection.
No, enquiring doesn't involve a credit check, so nothing is recorded on your credit file.
A credit enquiry only happens if you decide to apply with a specific lender, and I'll tell you before that happens.
Source: MoneySmart on credit scores