Wheel loader finance for quarry, civil and materials handling
Front-end and wheel loaders, buckets and forks — financed on terms built around tonnes moved, not a flat monthly bill.
A wheel loader earns on volume — tonnes loaded, truck cycles filled, yard turned over — and that volume can move with the seasons. We structure the finance so the repayment fits how a quarry or materials handling business actually earns. New or used — we can usually fund it.
Who it's for
Quarry operators, civil contractors, waste and materials handling businesses, and landscape supply yards.
Structure repayments around tonnes moved, not a fixed bill
Wheel loaders earn on volume, and throughput can be seasonal for quarries and civil sites. A balloon (residual), commonly around 30%, keeps the monthly repayment lower so working capital isn't tied up in a large fixed instalment during quieter months.
Established yard or quarry operation? Skip the financials
If your ABN has been trading a couple of years, you're GST registered and a director owns property, wheel loader finance can often be arranged with no tax returns or bank statements, frequently into six figures — usually comfortable for a mid-size loader. We'll tell you plainly whether low-doc or a full submission suits your file better.
GST and depreciation on an asset your business owns
Under a chattel mortgage your business owns the loader from day one, so you can generally claim the GST input tax credit on the purchase and depreciate it over its working life. Confirm how this applies to your specific structure with your accountant.
Buying secondhand? We run the title check
Loaders bought from dealers, auctions or private sellers are all financeable in most cases, including higher-hour machines. On a private sale we run a PPSR check before settlement to confirm the loader isn't still tied to someone else's finance.
Sort the finance before the loader comes up
Well-maintained loaders move quickly through dealer yards and auction. A pre-approval sets your ceiling in advance, so you can act like a cash-equivalent buyer the moment the right machine appears instead of waiting on a decision.
Own a loader outright? Put the equity to work
If you already own a wheel loader free and clear, you can often borrow against it — typically up to around 90% of current market value — to fund the next machine or free up working capital. These refinance deals are usually low-doc and quick to arrange.
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
Yes. Used and higher-hour loaders are commonly financed, whether from a dealer, auction or private sale. Private sales need a PPSR title check, which we arrange, and the loader's hours and condition help determine which lender and term fit best.
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.