Yellow goods finance for heavy lifting
Skid steers, loaders, dozers, graders, forklifts and more, financed by people who get construction and materials handling.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How yellow goods finance works with us
Yellow goods drive construction, mining and logistics: high value, hard-working, needing finance that understands utilisation and resale.
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Your broker compares experienced lenders, including for used machines and auction buys.
- Skid steers and track loaders
- Wheel loaders
- Dozers and graders
- Forklifts and telehandlers
- Rollers and compactors
- Attachments
Machinery specialists
Lenders who understand hours, attachments and resale.
Attachments included
Buckets, forks and attachments on the same loan.
Auction ready
Pre-approval before machinery auctions.
Fleet growth
Add machines under one facility as you win work.
Yellow goods finance: utilisation, resale and building a fleet
Lenders weigh how hard a machine will work and its resale value; recognised brands usually help, while specialised gear may need a deposit or shorter term. For fleets, separate loans or a master facility each suit different growth plans.
Read the full explanation
Lenders financing yellow goods think about two things: how hard the machine will work and what it would be worth if sold. Skid steers, wheel loaders, dozers, graders, telehandlers and forklifts from recognised brands usually have strong second-hand markets, which helps. Lenders look at age, hours, condition and service history for used gear. For specialised or less common machines, they may want a deposit or shorter term because resale is less certain.
For businesses running several machines, the way finance is set up over time matters. Some operators finance each machine separately so they can sell or upgrade one without affecting the others. Others use a master facility with an approved limit, which can make adding machines quicker. Hire companies and contractors with project-based work may also want terms that line up with contract length. Your broker can talk through which approach suits how you plan to grow.
- Civil and construction contractors
- Warehouses and logistics businesses with forklifts
- Plant hire companies building a fleet
- Mining services and quarry operators
Pros and watch-outs
Pros
- Recognised brands often hold value
- Attachments can be included
- Master facilities can speed future purchases
- Auction and used machinery considered
Watch-outs
- !Specialised machines may need larger deposits
- !High-hour machines can attract shorter terms
- !Fleet facilities need ongoing lender reporting
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Interest
Depends on the machine, its resale market and your business.
Attachments
Invoiced buckets, forks, brooms and attachments can be financed with the machine.
Inspection or valuation
Used and auction machines may need an independent inspection.
Fees
Establishment and account fees vary by lender and facility.
Servicing and parts
Maintenance is significant; budget for it alongside repayments.
Tips to strengthen your application
- 1Keep service records; they support finance and resale
- 2Get pre-approval before auctions or tight dealer deadlines
- 3Consider separate loans versus a master facility for growth
- 4For forklifts, check if rental suits seasonal or variable demand
What you’ll need
What you’ll need
- ABN and business registration
- Driver’s licence for each director or owner
- Recent business bank statements
- BAS or financials (full-doc loans)
- An invoice or quote for the asset
- Machine make, model, year and hours
What lenders look for
- An active ABN (some lenders want 12 months+, others accept newer)
- GST registration for larger or low-doc deals
- Business use of the asset (usually more than 50%)
- Directors or owners with clear credit, or a good explanation
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Yellow goods finance: common questions
What counts as yellow goods?
Heavy construction and materials handling equipment such as loaders, dozers, graders, excavators and forklifts.
Can I finance a forklift for my warehouse?
Yes. Forklifts are commonly financed through equipment finance or leasing.
Used machinery?
Yes, subject to age, hours and condition.
Can I get finance for a new contracting business?
Possibly, with experience and work lined up. A deposit may help.
Can I finance a forklift through a rental agreement?
Yes, some lenders and suppliers offer forklift rental, where you pay to use the machine over a set term. It can suit warehouses with changing needs. Whether rental or a loan suits better depends on how long you'll keep it.
What is a master asset finance facility?
It is an approved limit with a lender that lets you finance several assets over time under one agreement, rather than applying fresh each time. It can save time for growing fleets. Each purchase still needs to meet the lender's conditions.
Can I finance a machine for a specific contract?
Some lenders will consider a term that matches a contract, especially where you can show the contract and its length. This can help align repayments with the income. It depends on the lender.
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