Posi Track Finance Melbourne

We finance the full compact track loader range: small-frame CTL (under 65hp, e.g. Bobcat T66, Cat 239D3, Kubota SVL65), mid-frame CTL (65-90hp, e.g. Bobcat T76, Cat 259D3, Kubota SVL75-3, ASV RT-75), large-frame CTL (90hp+, e.g. Bobcat T86, Cat 299D3, Kubota SVL97-3, ASV RT-120F, JD 333P) and mini track loaders for tight access. Plus the full attachment range (4-in-1 buckets, mulchers, trenchers, hydraulic hammers, augers, planers, sweepers, grading beams, pallet forks). All major makes: ASV, Bobcat, Caterpillar, Kubota, John Deere, Case, New Holland, JCB, Wacker Neuson, Takeuchi and Yanmar. New, used, ex-hire, demonstrator, dealer or private sale.

Pre-approval typically comes back inside a business day when your application is complete. Settlement happens once you have signed contracts and any final lender conditions are met. Specialist asset lenders move faster than major banks on compact track loader deals because they assess the machine and contract income directly rather than waiting on property valuations.

No. Equifund's specialist lender panel includes options that assess on the asset, your project or contract income and trading history rather than requiring property as security. This matters most for owner-operators, landscape contractors, small civil subbies and family earthmoving operations who don't want to lock the property folio for a sub-$200k machine.

$0 deposit is available for prime applications, especially established operators with active site contracts, builder framework agreements or landscape council contracts. New ABNs typically need some contribution, but $0 deposit on the right deal is common for ongoing operators with verifiable project income.

A posi track (compact track loader, CTL) rides on rubber tracks instead of tyres. Tracks give you lower ground pressure (typically 4-6 PSI vs 25-30 PSI on a wheeled skid steer), so a CTL stays on top of soft / wet / turf / fresh-fill ground that would bog a wheeled machine. CTLs also push harder, climb steeper grades and grade more smoothly. The trade-offs: tracks cost more to replace than tyres, top speed is slower, and they wear faster on hard surfaces. Civil subbies on housing-estate fill, landscape contractors protecting turf, demolition cleanup in mud, and dairy / poultry shed cleanout typically pick CTL. Hire fleets, concreters on hard slab and builder yard work often pick wheeled SSL. We finance both classes across the panel.

ASV invented the Posi-Track suspended-undercarriage system, which lets the tracks flex independently over uneven ground for lower ground pressure, smoother ride and higher push on hills than the rigid-frame undercarriages used by most competitors. That's the case for ASV on the hardest soft-ground work (snow, fresh fill, deep mud, steep grades). For most everyday CTL work, Bobcat T-Series, Cat D3, Kubota SVL and John Deere P-Tier are equally capable, and brand choice usually comes down to local dealer support, attachment compatibility and resale. Equifund finances every CTL brand on the panel.

Yes. Used (including ex-hire fleet, ex-mining and end-of-cycle machines), private sale and auction purchases are all financeable through the specialist asset lenders we work with. Ex-hire Bobcat T-Series and Cat 299D3 with verified service history are a common asset case. Major banks typically have age cut-offs that knock out older machines; specialist lenders look at the asset condition, hour-meter and undercarriage hours rather than calendar age alone.

Yes. Refinance is common when an existing deal was settled at high rates, has an unfavourable structure (balloons, restrictive covenants), or is consolidating multiple machines into one facility. We compare your current setup against the specialist panel and present options.

A panel of 80+ Australian lenders spanning major banks, specialist asset financiers and non-bank lenders that specifically understand landscape, civil, demolition and hire-fleet project income, site contracts and the residual value of compact track loaders across small-frame to large-frame classes.

Yes. Fleet deals (two or three machines for a single contract, a staged purchase across a builder framework pipeline, or hire-fleet replenishment for two to four machines a year) are common. The lender panel includes options that split fleet deals across facilities or fund them under one master agreement.

Yes. Attachments (4-in-1 buckets, hydraulic augers, hammers, mulchers, trenchers, planers, sweepers, brooms, pallet forks, grading beams, post-hole augers, broom buckets and stump grinders) and the float trailer to move the machine are all financeable, either bundled with the posi track purchase or as standalone asset deals.

Chattel mortgage: you own the posi track, claim depreciation and GST, and the lender holds security over the asset. Finance lease: the lender owns the machine and you make rental payments; GST is claimed on each payment. Most owner-operators run chattel mortgage for the depreciation; landscape and hire-fleet operators sometimes mix lease for cashflow reasons. Both available across the specialist panel.

Specialist asset lenders look at undercarriage hours and condition (track wear, sprocket wear, suspension component condition) as part of the asset valuation, not just total machine hours. A 4,000-hour machine with fresh tracks and rollers presents differently to a 2,500-hour machine with worn-out tracks. For refinance, an undercarriage rebuild can lift the asset valuation and unlock better terms. We can structure deals that bundle the rebuild cost with the refinance.

An Australian Credit Licence (ACL) is the ASIC authorisation required to engage in regulated credit activities in Australia. Equifund operates under ACL 389328. This means we are bound by responsible lending obligations and the National Consumer Credit Protection Act when arranging finance.

Yes. North East Link, West Gate Tunnel, Suburban Rail Loop, Metro Tunnel and the broader VIC Big Build civil pipeline soft-fill site-prep work is a strong asset case for specialist lenders that fund ASV, Bobcat, Cat, Kubota, John Deere, Case and New Holland compact track loaders for tier-2 and tier-3 subbies. Head-contractor framework value, site contract value and asset condition are weighted directly.

Yes. Officer, Pakenham, Cranbourne, Melton, Tarneit, Truganina and the broader Melbourne growth-corridor housing-estate landscape framework packages typically need a CTL plus a wheeled SSL plus a 1-tonne mini-loader. CTL gets the turf-protecting work; the wheeled SSL handles hardstand. Specialist lenders fund multi-machine setups on one master facility against the builder framework value rather than per-asset bank applications.