Heavy Machinery & Earthmoving Finance
- Excavators, loaders & earthmovers
- Construction, mining & civil machinery
- New & used dealer or private sales
Apply for machinery loan
Equipment Loans
Finance new or used commercial equipment with terms from 12 months to 7 years.
Pathfyndr Finance provides tailored finance solutions for business equipment and machinery across Australia. From construction and earthmoving equipment to agricultural, medical and specialised business assets, we compare suitable lenders and help structure finance around your business needs.
From enquiry to settlement, Pathfyndr Finance compares suitable lender options and guides you every step of the way.
Balloon residual payment structures from 0% to 50% to lower ongoing operational repayments.
Apply for pre-approval
50+
Commercial lenders
0-50%
Residual balloon
12mo-7yr
Flexible terms
Tax
Deductible options — speak to your accountant
Commercial Options
Find the Right Equipment Loan Solution
Commercial Technology & Industrial Assets
- Manufacturing, farming & IT assets
- Flexible cash-flow repayment cycles
- Up to 100% equipment financing
Apply for equipment loan
Commercial Asset Financing
Acquiring modern commercial equipment is essential for expanding your business capabilities and maintaining a competitive edge. At Pathfyndr Finance, we compare equipment loan options from over 50 trusted Australian lenders to secure competitive interest rates for sole traders, SMEs, and enterprise operators.
We structure your chattel mortgage or commercial hire purchase with flexible repayment terms - weekly, fortnightly, monthly, quarterly, or seasonal - matching your revenue cycles so you can invest in mission-critical equipment while preserving working capital.
Loan Structures
Chattel Mortgage & Commercial Lease
Commercial Chattel Mortgage
Commercial Hire Purchase & Lease
Common Questions
Frequently Asked Questions
What types of business equipment can I finance?
We finance a broad range of commercial equipment, including earthmoving machinery (excavators, loaders, bulldozers), construction & mining plant, agricultural machinery, forklifts, commercial kitchen appliances, medical devices, and IT hardware.
Can I finance used machinery or private sale equipment?
Yes! We provide competitive commercial equipment finance for both new and used machinery, whether purchased through a dealer, equipment auction, or private seller.
What is a balloon (residual) payment on an equipment loan?
A balloon payment is a lump sum amount deferred to the end of your loan term (typically between 0% and 50%). This significantly lowers your regular monthly repayments, allowing you to maximize cash flow.
What tax considerations come with an Equipment Chattel Mortgage?
GST-registered businesses may be able to claim the GST included in the equipment purchase price, and some may be eligible for deductions relating to interest and depreciation depending on their circumstances. Please speak with your accountant to confirm any tax outcomes.
Can repayments be structured around seasonal business cash flows?
Yes. Repayment frequencies can be structured weekly, fortnightly, monthly, quarterly, or seasonally to align with your business revenue cycles and harvest/contract periods.
Is 100% equipment financing available?
Yes! Subject to lender approval and your business credit profile, eligible businesses can access 100% finance covering the total equipment purchase price with $0 deposit required.
Why Choose Pathfyndr for Your Equipment Loans?
We specialize in commercial asset and equipment finance, comparing 50+ lenders to help your business acquire essential machinery.
Apply for pre-approval
- Commercial equipment finance specialists
- 50+ trusted Australian lenders
- New & used commercial machinery
- Balloon residual options 0%-50%
- Seasonal & flexible payment terms
- Fast 24-48hr settlement process
