Posi-Track Finance for Contractors & Hire Fleets
Posi-Track finance is commercial finance for a compact track loader, including ASV Posi-Track machines, for ABN-registered landscape, civil, demolition and equipment hire businesses. We match you to lenders that assess contract and BAS income directly, for new or used machines, through a chattel mortgage, finance lease or operating lease.
- Pre-approval typically inside 24 hours
- $0 deposit for prime applications
- Wide specialist lender panel
- New, used, ex-hire, dealer or private-sale track loaders
30-second eligibility check. No credit check unless you proceed.
Choose Your Industry
Choose the category that best describes your finance requirement.
No obligation. A credit check only happens if you choose to proceed.
Built for Contractors Buying Track Loaders
Some banks can struggle to value a commercial track loader and the contract income behind it. Whether you are an established landscaper adding a Posi-Track, a civil subcontractor working soft ground, or a hire fleet growing its compact track loader numbers, Equifund matches you to lenders that assess contract income and asset value directly. We arrange finance for ABN-registered businesses with a trading record and a strong credit profile, and we do not arrange start-up, personal or hobby finance.
Who We Help
We finance established landscape, civil and hire businesses buying track loaders.
Established Landscapers Adding a Track Loader
Civil Subcontractors Working Soft Ground
Hire Fleets Expanding Their Track Loader Fleet
Operators Refinancing Existing Track Loader LoansWhy Choose Us
Equifund works to keep pre-approvals moving and terms built around your contracts and cash flow.
Wide Panel of Australian Lenders, Not One Credit Template
A Specialist Who Keeps Your Application Moving
Lenders That Assess Contract, BAS and Trading Income Directly
Support for Established Contractors and Hire Operators
Which Track Loader Brand Can I Finance?
The main commercial compact track loader brands on Australian landscape, civil and hire sites, financed through specialist lenders for established businesses.
ASV Posi-Track Loaders
Finance for ASV Posi-Track compact track loaders, including RT-65, VT-70 and RT-75 class machines, for landscape, civil and hire businesses.
Bobcat Track Loaders
Finance for new and used Bobcat compact track loaders working landscape, civil and demolition clean-up sites.
Cat Track Loaders
Finance for Cat compact track loaders, new or used, for contractors who run a mixed fleet of earthmoving and loader equipment.
Case Track Loaders
Finance for Case compact track loaders for landscape, civil and equipment hire businesses, dealer or private sale.
John Deere Track Loaders
Finance for John Deere compact track loaders, including ex-hire and dealer demonstrator machines, subject to lender criteria.
Kubota Track Loaders
Finance for Kubota compact track loaders, new or used, for landscape, civil and equipment hire businesses.
Plus other makes and models. If your brand is not listed, ask us and we will check it against the lender panel. Posi-Track is a brand of ASV. Equifund is not affiliated with or endorsed by ASV or any manufacturer named on this page, and brand names are used only to describe the machines that can be financed.
Why Operators Choose Equifund for Posi-Track Finance
A bank applies a generic credit template. Here is how a specialist track loader finance broker matches you to lenders that assess your contract income and the machine's resale value directly, the way a major bank or dealer may not.
Equifund (Track Loader Finance Specialist)
Built around your deal
- Pre-approval typically inside 24 hours
- Matched to lenders that assess contract and BAS income directly
- $0 deposit on prime applications
- May suit deals outside standard bank policy
- New, used, ex-fleet, private-sale or auction
Major Bank
Traditional lending
- Generic template for property-backed borrowers
- Often asks for full financials and property security
- Specialist industry deals can fall outside policy
- Often one product, with limited structure flexibility
Dealer / In-house Finance
Point of sale
- Convenient when buying from the yard
- Often limited to that dealer's stock and brands
- Less flexibility to structure the deal
- Often not built for private-sale or auction buys
Clear Terms. No Unnecessary Complexity. A Straightforward Path.
We keep the path from application to pre-approval straightforward, so you move quickly.
Complete the Form in 60 Seconds
Tell us about your business and the Posi-Track you are financing through our secure online form.
Speak With a Track Loader Finance Specialist
An Australian track loader finance specialist reviews your situation and walks you through the documents needed for the lender match.
Get Pre-Approved Over the Phone
Your specialist talks you through the pre-approval outcome, typically inside 24 hours and subject to lender assessment, along with the term and repayment structure options.
Settle the Loan and Take Delivery
Your specialist sources a well-matched offer and coordinates settlement with the dealer, private seller or auction house.
Examples of Track Loader Deals
Examples of the kinds of track loader deals Equifund arranges for Australian landscape, civil and hire businesses, with details changed.
What Other Equipment Can I Finance?
Equifund finances major commercial asset classes for prime ABN profiles, backed by a wide lender panel.
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Apply for Your Posi-Track Finance
It takes three quick steps. An Australian track loader finance specialist typically gets back to you inside 24 hours.
Business Details
Contact Information
Asset InformationWhat Our Clients Have to Say
Equifund is rated 5.0 on Google by Australian operators for pre-approvals, flexible terms and specialist service. 5.0 ★ · Real Google reviews
Posi-Track Finance FAQs
Here are straight answers to the questions Australian Posi-Track operators ask most.
What is Posi-Track finance?
Posi-Track finance is finance for a commercial compact track loader, including ASV Posi-Track machines and similar rubber-track loaders from other makers. Equifund arranges it for ABN-registered landscape, civil, demolition and equipment hire businesses through a chattel mortgage, finance lease or operating lease, subject to lender criteria.
Which Posi-Track and track loader models can I finance?
Equifund arranges finance for new, used, ex-hire, dealer and private-sale commercial track loaders, including ASV Posi-Track models such as the RT-65, VT-70 and RT-75, and track loaders from Bobcat, Cat, Case, John Deere and Kubota, subject to lender asset criteria.
Do you finance Posi-Track loaders for personal or hobby use?
Equifund does not arrange finance for personal or hobby use. It arranges commercial finance for ABN-registered businesses buying a track loader for work such as landscaping, civil works, demolition clean-up or equipment hire, and it does not arrange lifestyle purchases or start-up finance.
What is the difference between a compact track loader and a skid steer?
A compact track loader runs on rubber tracks, which spread the machine's weight over a larger area and generally suit soft, wet or newly graded ground, while a wheeled skid steer is usually quicker on hard, paved or tight sites. Both can be financed, and Equifund also arranges skid steer finance.
Does radial lift or vertical lift change how I finance a track loader?
The lift style does not change the finance structure, but it affects the work the machine does and its resale profile. Radial-lift machines are generally favoured for grading and digging, and vertical-lift machines for load-and-carry work such as pallet handling. Lenders assess the model, age and hours, so tell your specialist which you are buying.
Can I finance a used or ex-hire Posi-Track loader?
Yes, Equifund arranges finance for used, ex-hire, dealer and private-sale track loaders, and for auction purchases, subject to lender criteria on age, hours and condition. A lender will look closely at hours, service history and the condition of the tracks.
Can attachments and buckets be financed with the loader?
Yes, attachments such as buckets, pallet forks, mulchers and trenchers can usually be financed together with the loader on one application when they are on the same quote or invoice, subject to lender criteria.
Do you finance Posi-Track loaders Australia-wide?
Yes, Equifund arranges track loader finance for commercial operators in every state and territory, from metro estates to regional and remote sites, subject to lender criteria.
What is the difference between a chattel mortgage and a finance lease for a track loader?
With a chattel mortgage the business owns the track loader from settlement and the lender holds a mortgage over it as security until the loan is repaid. With a finance lease the lender keeps legal title for the term while the business makes lease payments, with options at the end. Your specialist explains which suits your business.
Can I claim GST and depreciation on a Posi-Track loader?
GST-registered businesses can typically claim the GST on the purchase price through their BAS, and a business asset can usually be depreciated over its effective life. Confirm your own tax position with your accountant and check the ATO guidance on depreciation and asset thresholds.
Can repayments be structured around seasonal or contract work?
Repayments can often be structured around seasonal or contract work, because lenders can set the term, any balloon and the repayment pattern with the timing of your contracts or hire revenue in mind, subject to lender criteria and the strength of the application.
Can I refinance an existing track loader loan?
Equifund arranges refinancing to restructure repayments, deal with a balloon before it falls due, release equity from a loader you own, or consolidate several loans into one facility. The new terms are assessed by the lender on your current trading, subject to lender criteria.
Do balloon or residual payments work on track loader finance?
Many lenders offer a balloon or residual on a track loader, which lowers the regular repayment and leaves a lump sum due at the end of the term. Whether it suits you depends on the machine's age and expected hours, so your specialist walks through the options.
How does a hire fleet finance several track loaders?
A hire business can usually fund several loaders under one facility, including staged purchases, with the lender assessing hire revenue, utilisation and the trading record, subject to lender criteria.
How long does track loader finance take to settle?
Settlement timing depends on the lender and the seller, and pre-approval is typically issued by the lender inside 24 hours, subject to lender assessment.
Do I need a deposit?
A deposit is not always required. $0 deposit is available for prime applications, particularly established businesses with active contracts and a strong credit history. Other applications may need a contribution, depending on the lender, the machine and its age.
Do I need to own property to qualify?
You do not always need to own property, because many lenders on a specialist panel can fund against the machine and the business's income without property security, subject to the lender's criteria and your credit profile.
What does a strong track loader finance application look like?
Lenders look for an ABN-registered business with a trading record, evidence of income through BAS or contracts, an acceptable credit history and a quote or listing for the machine. The stronger the record, the more lenders may be open to the deal, subject to lender criteria.
What documents do I need to apply for track loader finance?
Typically the business ABN, identification for the directors, recent BAS or bank statements, and the dealer quote, private-sale listing or auction lot. Your specialist confirms exactly what the matched lender wants.
Does applying for track loader finance affect my credit file?
Comparing your options is free, with no credit check unless you proceed. A credit check only happens if you choose to proceed with an application.
$0 deposit is available for prime credit applications only. Typical prime criteria include an active ABN of 2 years or more, GST registration, a clean credit file with no recent defaults or insolvency events, demonstrated trading income supported by BAS or bank statements, and a new or late-model machine purchased through a recognised dealer. Loan-to-value, term, balloon, rate and fees vary by lender, asset type, age and applicant profile. Pre-approval is an indicative offer only and is subject to a full credit and verification check by the funding lender. The information on this page is general information only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you before acting on it.
Depreciation and asset cost thresholds set by the ATO. Credit licensing regulated by ASIC. General information only, not personal or financial advice. Fees, terms and eligibility are set by the individual lender and vary by circumstance. Equifund Financial Group Pty Ltd, Australian Credit Licence 389328.