Finance question
Can I finance yellow goods and heavy plant?
Yes. Yellow goods and heavy plant are financed on the asset itself, new or used, based on the machine's value. Asset finance runs up to $500,000, often low-doc, with larger and higher-value plant fundable through property-backed finance to the $5 to 6 million range.
Get your free rate quote
Tell us a few details and we will come back with your indicative rate. No obligation.
Thanks, we are on it
Your enquiry is in. Our team will be in touch shortly with your indicative rate and next steps.
The short answer
Fund the plant on what the machine is worth
Yellow goods, the excavators, loaders, graders, dozers and rollers that do the heavy work, are financed on the machine's value, with the asset as security. Because the plant carries the loan, the lender looks first at the equipment, so both new and quality used machines can be funded on what they are worth rather than on your accounts alone.
Asset finance runs up to $500,000 and often low-doc or no-doc, with approvals inside 24 to 48 hours, so a machine can be secured quickly when a job or a good buy comes up. Higher-value or multiple machines that sit above that figure can be funded through property-backed finance, up to the $5 to 6 million range at single-digit rates, secured against residential or commercial property.
Ventas is a broker across 40+ lenders, not a single bank with one policy. We match the machine, its make, age and hours, and your paperwork to the lender with the right appetite, subject to lender assessment. There is no upfront fee to you; the lender pays us on settlement, so our job is to structure the deal and get it approved on the right terms.
Do you qualify?
What a heavy plant deal usually needs.
A specific machine
The yellow goods being financed secure the loan.
An active ABN
Sole traders and companies both qualify.
New or used
Both are funded on the machine's value.
Property for larger deals
Real estate can back plant above $500,000.
Why heavy plant finances on the asset
Valued on the machine
Funding tracks the plant's worth, new or used.
Fast and low-doc
Many deals clear in 24 to 48 hours without full financials.
Two routes to fund
Asset finance to $500,000, property-backed to the $5 to 6 million range.
A real example
A plant hire operator adds a used grader valued at $220,000. Financed on the machine, low-doc, approved inside 48 hours. A larger multi-machine purchase above that would instead be structured against property. Illustrative only.
Common questions
Frequently asked questions
Can I finance used yellow goods?
Often yes. New and used plant are both funded on the machine's value, subject to lender assessment.
What if the machine is worth more than $500,000?
Higher-value plant can be funded through property-backed finance, up to the $5 to 6 million range at single-digit rates.
Do I need full financials?
Often no. Many asset-finance deals run low-doc or no-doc.
How fast can it be approved?
Many asset-finance deals are approved within 24 to 48 hours.