Machinery and plant finance for manufacturers
CNC, laser, machining centres, woodworking and processing plant — financed on a chattel mortgage that keeps capital free for materials and labour.
High-precision machinery is a big capital outlay. Financing it on a chattel mortgage — ideally with a balloon — spreads the cost across the years the machine is earning and keeps your cash free for raw materials, wages and growth. We match the deal to a lender that understands the asset.
Who it's for
Manufacturers, fabricators, engineering shops and processing businesses.
CNC, laser and machining centres
Large outlays like vertical machining centres and laser routers are well-suited to a chattel mortgage with a balloon — you keep more working capital today and the machine pays for itself as it runs. We can also help with custom-built plant, where the deposit and final invoice often need a smarter structure.
Buying a machine that's being built for you?
Custom or made-to-order machinery can be tricky to finance because there's no asset to secure until it's built. There are ways to structure the deposit now and finance the full amount on delivery — it's the kind of deal worth a conversation before you commit, so the progress payments and the final invoice line up cleanly.
A balloon keeps capital free for materials and wages
Production plant earns over many years, so a balloon (residual) — commonly around 30% — lets you keep more working capital today for raw materials, labour and the next job, while the machine pays for itself as it runs. At the end of the term you refinance the balloon, pay it out, or upgrade to newer plant.
Established ABN and property often means no financials
If your ABN has been active for 2+ years, you're GST registered and a director owns property, machinery finance can frequently be arranged with no tax returns, BAS or bank statements — often into six figures, which covers a lot of CNC and fabrication plant. We'll tell you honestly whether low-doc or a full submission gets you the better rate.
Raise cash against plant you already own
If your workshop owns machines outright, you can often borrow against them — typically up to around 90% of current market value — to fund an expansion, a new line, or working capital. There's also sale-and-buyback within six months of a purchase. It's a clean way to put equity locked in your plant back to work, and it's usually low-doc.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
On a chattel mortgage the machine itself is the primary security, registered as a charge on the PPSR. Directors are often asked for a standard commercial guarantee. We'll explain exactly what a given lender requires before you proceed, with no surprises at signing.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.