Can ABN holders and sole traders apply?

Yes. ABN holders, sole traders, partnerships, companies and trusts may access commercial finance structures such as chattel mortgage. Lenders assess each structure differently.

Do you finance new and used machinery?

Yes, finance options may be available for both new and used machinery, from dealers, auctions or private sale. Loan structure and term may vary with the age and type of asset.

Will checking my options affect my credit score?

Submitting an initial enquiry or using our calculator does not affect your credit score. If a formal credit application is required, a specialist will explain the next step before proceeding.

No. Loanseekers provides finance brokerage and credit assistance. Loan approval, rates, fees and loan contracts are provided by the lender.

What loans can you help with?

We can assist with car finance, boat finance, caravan finance, personal loans, refinance, motorcycle finance, equipment finance and general asset finance.

Loanseekers machinery finance

Put machinery to work, sooner

Machinery finance from 70+ lenders for ABN holders and businesses buying excavators, tractors, trucks and farm or construction gear. No obligation.

Access to 70+ lenders
No obligation to proceed
Initial enquiry does not affect your credit score
Experienced support, Australia-wide

Initial enquiry does not affect your credit score.

Loanseekers machinery finance

One enquiry. Checked against the Loanseekers 70+ lender panel.

70+

lenders

60s

to start

obligation

What can be financed

From farm machinery to heavy plant

Earthmoving & construction

Excavators, loaders, skid steers, dozers and attachments.

Agricultural machinery

Tractors, headers, balers, spreaders and farm implements.

Trucks & trailers

Prime movers, rigid trucks, tippers and a range of trailers.

Chattel mortgage

Common business structure where the business owns the asset and the lender takes a charge.

New, used & private sale

Finance options for dealer, auction and private machinery purchases.

ABN holders

Different lenders suit sole traders, ABN-only structures and established companies.

Tax and GST implications should be discussed with your accountant.

Calculator

Estimate machinery finance repayments

Asset type

Purpose

Loan amount: $35,000Move the slider or type a value

Deposit: $0

Term: 5 years

Rate: 8.99%

Balloon: 0%

Estimated repayment

$167.24/ weekly

Financed amount: $35,000
Total interest est.: $8,483
Total repayable est.: $43,483

Your actual rate depends on lender assessment, your profile, the asset, loan amount and supporting documents.

This calculator is a guide only and is based on the information entered. It does not constitute loan approval, a credit quote, financial advice or a recommendation. Actual rates, fees, repayments and approval outcomes depend on lender assessment, your personal circumstances, loan structure and supporting documents.

Process

How it works

Tell us what you need

Choose your loan type, amount and timeframe.

We review your options

Your details are reviewed against available lender pathways through Loanseekers.

Get matched

A finance specialist helps identify suitable finance options based on your profile, asset and goals.

Move forward

If you choose to proceed and are approved, we help guide you through approval and settlement.

FAQ

Machinery finance questions

Finance options may be available for excavators, tractors, trucks, trailers, farm and construction machinery, and a wide range of commercial plant and equipment, subject to lender and asset criteria.

Financing smaller business assets? Compare business equipment finance

Guides

Read up before you apply

Plain-English explainers on how this finance works. General information only.

Business & ABNLow doc ABN car loans: how they work when your financials are not readyBCBrandon Cutajar·24 Aug 2026

Business & ABNChattel mortgage vs novated lease vs finance lease: which structure fitsBCBrandon Cutajar·24 Aug 2026

Business & ABNChattel mortgage explained: how it works, and the GST timing that mattersBCBrandon Cutajar·24 Aug 2026

Lender reviews

Lenders we work with, reviewed

Factual reviews organised by who each lender is best suited for. General information only.

Bizcap

Best suited for business owners with impaired credit needing very fast short-term funding assessed on revenue

Commercial

Prospa

Best suited for small business owners needing fast unsecured funding up to $150,000 without property security

Commercial

Start with one finance check

One enquiry gives you access to an expert-supported process and lender options through Loanseekers. No obligation to proceed.

No obligation. Your initial enquiry does not affect your credit score.

Put machinery to work, sooner