Excavators
CAT, Komatsu, Hitachi, Kubota, from mini excavators to 30-tonne machines.
- All sizes and brands
- Attachments on the invoice can be included
Equipment finance
Low-doc equipment finance for established SMEs
Plumbers, builders, landscapers, earthmovers: stop paying inflated hire costs. Own the machine, claim the deductions your accountant advises, and pay the lender's base rate plus a flat $800.
ABN 24+ months · GST registered · $5,000 to $500,000
Example excavator: $120,000
$2,431/month
5 years, 0% balloon, lender rate 7.50% (verified 8 September 2026), $800 fee financed.
In one sentence
AssetMX arranges low-doc equipment finance from $5,000 to $500,000 on excavators, loaders, earthmoving and trade equipment for GST-registered businesses trading 24 months or more, at the lender's base rate plus a flat $800 fee.
Last reviewed 8 September 2026 by AssetMX.
Equipment we finance
From mini excavators to road-registered plant, the same transparent pricing for all mobile equipment.
Loaders and skid steers
Wheel loaders, skid steers and compact track loaders.
- New and used machines
- Fast conditional approval when in policy
Earthmoving
Dozers, graders, rollers and scrapers.
- Small operators welcome
- Sole traders and companies
We also finance
- CranesAll types
- ForkliftsElectric and diesel
- GeneratorsAll sizes
- CompressorsIndustrial
- Concrete gearPumps and mixers
- ScaffoldingSystems and access
- Welding gearIndustrial
- TrailersPlant and equipment
Pricing
Lender base rate plus $800. That is the whole price.
On the $120,000 example above, a broker loading the rate by about 2% would show you9.50% and cost about $6,007 more over the term. How we compare.
| Term | Lender base rate (p.a.) | Maximum balloon | AssetMX fee |
|---|---|---|---|
| 1 year (12 mo) | 9.10% | 65% | $800 flat |
| 2 years (24 mo) | 8.10% | 60% | $800 flat |
| 3 years (36 mo) | 7.50% | 50% | $800 flat |
| 4 years (48 mo) | 7.50% | 40% | $800 flat |
| 5 years (60 mo) | 7.50% | 30% | $800 flat |
Indicative rates for in-policy low-doc applicants, verified 8 September 2026 against AssetMX lender panel rate sheets. Your rate is set by the lender. AssetMX adds no margin to it.
Why tradies and contractors choose AssetMX
Transparent savings
Equipment brokers typically load the rate by 1 to 2%. We charge a flat $800 and show the lender base rate as it is.
Get back to work
No callbacks, no paper. Quote, fit check and upload from your phone. Conditional approval is typically same business day for in-policy deals.
We understand equipment
Built by people who know equipment values, depreciation, and what lenders want to see from construction businesses.
Eligibility for equipment finance
| ABN | Active for at least 24 months |
|---|---|
| GST | Registered |
| Amount | $5,000 to $500,000 |
| Term | 12 to 84 months |
| Asset age | No more than 15 years old at the end of the term |
| Documents | Driver licence, business bank statements, supplier invoice. No tax returns for in-policy low-doc deals. |
Full detail on lender low-doc policies and requirements.
Questions people ask
Do I need financial statements for equipment finance?
Not for in-policy low-doc applications up to $500,000. Lenders rely on ABN age, GST registration, credit history and bank statements.
Can I finance used equipment from a private seller?
Yes. A $250 inspection fee may apply and the equipment must be no older than 15 years at the end of the term.
Is equipment finance tax deductible?
Interest and depreciation on the business-use share are generally deductible under a chattel mortgage. Instant asset write-off thresholds change each financial year, so check the current ATO rules with your accountant.
Can I include attachments and delivery?
Yes, when they are itemised on the supplier invoice.
Related
Ready? Three questions, then we take it from there.
One flat $800 fee, disclosed before you start. Nothing touches your credit file until you say so.
Trading 2+ years · Clean credit · Vehicles, trucks or equipment for business use