Skid steer and compact track loader finance
Skid steers, compact track loaders and a full kit of attachments — financed as one working setup, not a machine plus a pile of separate bills.
A skid steer earns through what's bolted on the front of it as much as the machine itself. We finance the loader and the attachments together, structured around landscaping and civil work that can be busier some months than others. New or used — we can usually fund it.
Who it's for
Landscapers, civil subcontractors, hire companies and trades running skid steers or compact track loaders.
One machine, a dozen jobs — finance the whole kit
Skid steers earn their keep through attachments: buckets, augers, trenchers, forks, sweepers and mulchers. Most of that gear can be wrapped into the same chattel mortgage as the machine, so you're financing one productive setup rather than paying cash out of pocket every time you add a tool.
Financing a fleet, not just one machine
Hire operators and larger landscaping and civil crews often need to add skid steers or compact track loaders in twos and threes as contracts land. We can structure multiple units under one facility so growing the fleet doesn't mean starting the paperwork from scratch each time.
Seasonal landscaping work? Match the repayment to it
Landscaping and civil work can be lumpy through the year, busier in spring and summer for many operators. A balloon (residual) lowers the monthly repayment so cash isn't stretched thin in quieter months, and you refinance, pay out or upgrade at the end of term.
Established ABN and property usually means no financials
If your ABN has been active for a couple of years, you're GST registered and a director owns property, skid steer finance can typically be arranged without tax returns or bank statements. That's usually well within range for a compact loader and a couple of attachments.
Buying secondhand? We check the title first
Skid steers and compact track loaders bought used through dealers, auctions or private sellers are all commonly financed. On a private sale we run a PPSR check before settlement to make sure the machine is free of someone else's finance.
Own the loader, claim the GST and depreciation
On a chattel mortgage your business owns the machine from settlement, so you can generally claim the GST input tax credit on the purchase and depreciate it over its working life. Confirm the detail with your accountant, particularly if you're running several machines.
Talk to a specialist
Get the right rate and the right structure for your next asset. No pressure to proceed, 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 the right rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Your rate depends 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
Usually, yes. Buckets, augers, trenchers, forks, sweepers and mulchers can typically be wrapped into the same chattel mortgage as the skid steer or compact track loader, so the whole working setup is one repayment.
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.