Kubota Equipment Finance Australia | $0 Deposit, 80+ Lenders

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

Finance type

Loan amount

Enter the approximate amount you’d like to finance.

Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

0% 60%

Percentage of the loan left owing as a final lump-sum (balloon / residual).

Estimated repayments

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Approx. weekly

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Loan amount $0.00

Interest rate 0.00% p.a.

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Balloon / residual $0.00

Total repayable (incl. balloon) $0.00

Estimated interest over term $0.00

This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

Specialist finance for new and used Kubota machinery, from B and L Series compact tractors and M Series ag tractors to KX excavators, SVL track loaders, R Series wheel loaders and SSV skid steers. Equifund matches your application to the lender that scores machinery on business cashflow, contracts and asset value, not a one-size-fits-all credit template. Kubota's 140-plus dealer network across Australia protects resale and serviceability, and we use that strength to push for sharper terms across our panel of 80+ lenders.

Check Eligibility Now Get Pre-Approved

30-second check. No impact on your credit score.

Choose your industry

Choose the category that best describes your finance requirement.

Transport & Logistics

Farming & Agriculture

Construction & Earthmoving

Other

No obligation. Soft credit check only.

$50M+ financed in FY2025

Decisions in 24 to 48 hours vs major bank average of 5 to 10 business days

Dedicated Australia-based equipment finance team

Australian Credit License 389328

WHO THIS IS FOR

For Operators Buying Kubota Machinery

Established farmers, earthmoving subcontractors, civil crews and contractors are often knocked back by banks, stalled in single-lender queues, or locked into one product by dealer finance. Usually it comes down to the same things: seasonal or invoice-based income, no residential property to offer as security, or a credit file marked from rate shopping. Whether you are replacing an ageing tractor, adding a mini excavator for site work, or putting a track loader on the books, the standard bank template rarely fits the job.

Your application goes to specialist equipment lenders who assess business income, asset value and trading history directly, in one structured submission with no multi-lender credit hits.

Farmers & primary producers Running B, L or M Series tractors on a cropping, grazing or dairy operation. Assessed on the farm's cashflow and the machine, with repayments matched to seasonal income, not a flat month.
Landscapers & site contractors Compact tractors, KX mini excavators and track loaders for landscaping, civil and site work. Financed on the business and the contracts, not a house.
Civil & earthmoving subbies KX excavators, track loaders, skid steers and attachments for site prep, trenching and civil work that pays on progress claims, not flat months.
Councils, contractors & hire fleets Grounds crews, plant-hire fleets and contractors buying tractors, excavators and loaders, new, used, ex-hire or at auction, or refinancing existing gear.

WHAT WE FINANCE

Kubota Equipment We Finance

Finance Kubota's heavy machinery, from M Series tractors and KX excavators to track loaders, wheel loaders and skid steers.

Tractors

B, L & M Series

B, L and M Series tractors for commercial farms, councils and contractors, from compact utility models for parks and groundwork to heavy-duty broadacre, cropping and grazing machines.

Excavators

KX Series: 0.8 to 8.2t

KX mini and compact excavators, conventional and zero-tail-swing, for civil, earthmoving, plumbing and site work. Buckets and attachments financeable in the one facility.

Track Loaders

SVL Series

Kubota SVL compact track loaders for earthmoving, site clearing and material handling across civil, landscaping and farm jobs.

Wheel Loaders

R Series

R Series wheel loaders for material handling, loading and yard work across farms, depots, quarries and civil sites.

Skid Steers

SSV Series

SSV skid steer loaders for tight-access site work, with quick-attach buckets, augers, grapples and other attachments financed in the one facility.

Check If You Qualify

SPECIALIST vs BANK vs DEALER

Equifund vs Bank vs Dealer Finance

How Kubota finance for ABN holders compares across the three places you can fund your machinery.

	Equifund, Commercial Finance Specialist	Major Bank	Dealer Finance
Who They Lend To	Established ABN holders, sole traders to hire fleets, assessed on the business and the asset.	Prefers strong financials or PAYG strength, often backed by property.	Whoever is buying that brand at the desk, on a take-it-or-leave-it offer.
Income Assessed	Seasonal, contract and BAS income. Low-doc for established ABNs, no full tax returns.	Full financials and tax returns usually required.	Limited, tied to the sale, not your wider business.
Lender Choice	80+ Australian lenders matched to your deal.	One bank, one credit template.	One or two aligned financiers only.
Rate & Structure	Market-tested rate, with balloon, seasonal repayments and 3 to 7 year terms.	Standard products with limited flexibility.	Rate loaded with dealer margin, and high balloons that flatter the monthly but cost more.
Used, Ex-Hire & Auction	New, used, ex-hire, private-sale and clearing-sale machines all financed.	Restrictive on used, private and auction buys.	Usually the dealer's own stock only.
Deposit & Security	$0 deposit for prime applications, secured on the machine, not your home.	Deposit and often property security required.	Varies, frequently bundled with add-ons.
Pre-Approval Speed	Typically inside 24 to 48 hours.	5 to 10 business days on average.	Fast at the desk, but the offer is fixed.

HOW THE PROCESS WORKS

How Kubota Equipment Finance Works

A simple, secure online application, with honest advice from an Australia-based equipment finance specialist you can trust.
No pressure. No hit to your credit score.

Complete the Form in 60 Seconds

Tell us which Kubota you're after and a few basics about your business. Takes about a minute, with no documents to upload yet and no impact on your credit score.

Speak With a Equipment Finance Specialist

An Australia-based equipment finance specialist reviews your situation and walks you through the documents needed for the lender match.

Get Pre-Approved Over the Phone

You'll have a clear pre-approval often within 1 business day, with rate, term and repayment structure tailored to how your business income actually flows.

Settle the Loan
and Take Delivery

Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.

RECENT SETTLEMENTS

Real Kubota Finance Approvals Across Australia

Kubota machinery finance settled across 80+ Australian lenders, from owner-operators to hire fleets. ACL 389328.

"Dairy operation, and the old tractor was costing more in downtime than repayments. Wanted an M Series before calving. The bank wanted three years of full financials and property security for one machine. A lender that read the milk cheque and set repayments around the season got it done, and we haven't missed a feed run since."

Dairy farmer

Cobden, VIC

"Landscaping and civil crew, and we needed a KX mini excavator plus a track loader to take on a council site contract. Dealer finance only had the one structure and it didn't suit how the contract pays. Equifund found a lender that took the contract as the case, and the machines paid for the tender."

Landscaping & civil contractor

Penrith, NSW

"Civil subbie doing trenching and site prep. Wanted a KX zero-tail-swing for the tight residential blocks. The work pays on progress claims, not flat months, and the bank wouldn't match the cycle. The lender structured repayments to the claims and we tendered for a second estate knowing the cashflow worked."

Civil earthmoving

Ipswich, QLD

"Ag fencing and land-clearing contractor, and the next job was stalled waiting on the bank for an L Series with a front-end loader. They treated the ABN like a personal loan and capped me low. A low-doc lender took the bank statements and had the deal done in two days, and I made the job."

Fencing & land-clearing contractor

Scottsdale, TAS

"Earthworks business, and we needed an SSV skid steer with a few attachments to keep up through the wet. Our bank wanted property as security. The lender that took the standing site contracts didn't, and we held the margin instead of knocking back work."

Earthworks contractor

Gawler, SA

Dairy farmer

Cobden, VIC

Landscaping & civil contractor

Penrith, NSW

Civil earthmoving

Ipswich, QLD

Fencing & land-clearing contractor

Scottsdale, TAS

Earthworks contractor

Gawler, SA

"Plumbing and small earthworks business. Picked up an ex-hire KX mini excavator with low hours at a good price. You've got about a day to sort the money or you lose it. The lender had it organised before the next job, and the excavator's been earning since."

Plumbing & earthworks

Bunbury, WA

"Plant-hire yard with a handful of excavators and track loaders, all on different finance from different years. Refinanced the lot into one facility so the books make sense, freed up a bit of room, and we've ordered two more machines for the busy season."

Plant hire fleet

Toowoomba, QLD

"Vineyard work needs a narrow tractor that fits the rows, and we wanted a compact loader for moving gear and posts. The bank didn't really understand the seasonal income. A specialist lender set annual repayments after harvest, which is the only way it works for us."

Vineyard operator

Mudgee, NSW

"Cropping property, and an M Series with a front-end loader came up at a clearing sale. Needed the finance sorted fast to bid. The lender pre-approved on the BAS and the asset, I bid with a number in hand, and the tractor was working that week."

Broadacre cropping

Dubbo, NSW

"Council civil contract meant we needed reliable gear, an excavator and a track loader, on the books quickly. Dealer finance was slow and rigid. Equifund matched a lender that handles contract-based work, and we started the contract on time with the right machines."

Civil contractor

Ballarat, VIC

Plumbing & earthworks

Bunbury, WA

Plant hire fleet

Toowoomba, QLD

Vineyard operator

Mudgee, NSW

Broadacre cropping

Dubbo, NSW

Civil contractor

Ballarat, VIC

FAQ

Common Kubota Equipment Finance Questions

Straight answers to the questions Kubota buyers ask most.

Which Kubota machinery can I finance?

The full range, new or used: B, L and M Series tractors, KX mini and compact excavators, SVL track loaders, R Series wheel loaders and SSV skid steers. Implements and attachments such as buckets, augers, slashers and front-end loaders can be financed in the same facility.

Can I finance a used or ex-hire Kubota?

Yes. Used, ex-hire, dealer, private-sale and auction Kubota machinery is all financeable through specialist lenders on our panel. Kubota's strong resale and nationwide parts and service support help these deals, because lenders weigh the asset's residual value and serviceability in the approval.

Can I match repayments to seasonal or contract income?

Often, yes. For farmers and contractors with lumpy or seasonal cashflow, lenders on our panel can structure seasonal, annual or progress-based repayments rather than a flat monthly schedule, so the machine is paid down when the income actually lands.

Can I finance a tractor, excavator and loader in one application?

Yes. A mixed order, say an M Series tractor, a KX excavator and an SVL track loader, can be structured in a single submission to specialist lenders, rather than separate dealer-finance contracts for each machine.

Do I need a deposit?

Not always. Many established operators finance Kubota machinery with no deposit, securing the loan against the machine itself. A deposit or trade-in can lower repayments if you prefer, and we structure it around your cashflow either way.

Can I get finance on a low-doc or ABN-only basis?

Often, yes. For established ABN holders with a clean recent history, low-doc Kubota finance is available without full financials, assessed on bank statements, BAS and the asset. It suits farmers and contractors with seasonal or invoice-based income who do not fit a bank's standard template.

What is the difference between a chattel mortgage and a finance lease on Kubota machinery?

With a chattel mortgage you own the machine from day one and the lender holds security over it, which suits most operators and can carry GST and depreciation benefits. With a finance lease the lender owns the machine and you lease it for a set term. Your specialist will explain which fits your structure, and your accountant can confirm the tax treatment.

How quickly can I get pre-approved?

Usually within 24 to 48 hours of a complete application, compared with the 5 to 10 business days a major bank often takes. Pre-approval lets you walk onto the dealer lot or bid at a clearing sale knowing your number.

Can I refinance or consolidate my existing Kubota loans?

Yes. You can refinance existing machinery to lower repayments, restructure a balloon before it falls due, or consolidate several machine loans into one facility, which frees up room for the next purchase.

Can I include attachments and implements in the finance?

Usually, yes. Front-end loaders, backhoes, augers, grapples, buckets and other attachments can be financed together with the Kubota tractor, excavator or loader in one facility, so the whole working setup sits under a single repayment.