Skid Steer Finance Melbourne

We finance every class across the skid steer family: wheeled skid steer loaders (SSL), compact track loaders (CTL), mini-loaders and the full attachment range (buckets, forks, augers, trenchers, mulchers, rakes, pallet forks, sweepers, brooms, hydraulic hammers, post-hole augers and grading beams). All major makes including Bobcat, Caterpillar, John Deere, Kubota, Case, New Holland, JCB, Wacker Neuson, ASV, Takeuchi, Mustang and Hyundai. 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 skid steer 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-$100k 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.

Wheeled skid steers (SSL) ride on four tyres, are faster, cheaper to maintain, easier on sealed yards, and turn on the spot. Compact track loaders (CTL) ride on rubber tracks, give you lower ground pressure for soft, wet or uneven ground, higher push and rim-pull on hills, and steadier grading. Civil subbies and landscape contractors who work on lawn, mud and soft fill typically run CTL (Bobcat T-Series, Cat 299D3, Kubota SVL97-3). Hire fleets, builders' yards and concreters on hard surfaces typically run SSL (Bobcat S-Series, Case SR240B, Kubota SSV75). We finance both classes across 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 Bobcats and Cats 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 and hour-meter 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 loaders across SSL and CTL 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 and broom buckets) and the float trailer to move the machine are all financeable, either bundled with the skid steer purchase or as standalone asset deals.

Chattel mortgage: you own the skid steer, 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.

Project income recognition is how a specialist lender reads income from civil contracts, builder framework agreements, council landscape contracts, demolition site invoices and hire-fleet revenue rather than treating only PAYG salary as income. It matters for established operators whose income comes from contracted site work, not a fortnightly pay slip.

Low-doc skid steer finance is asset finance approved on a reduced document set, typically BAS, bank statements and the contract or quote, rather than full financials and tax returns. Best suited to established operators with an active ABN, trading history and verifiable project income who don't have current-year financials prepared.

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 site-prep work is a strong asset case for specialist lenders that fund Bobcat, Cat, Kubota, John Deere, Case and New Holland skid steers and CTLs 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 for tight backyard access. Specialist lenders fund multi-machine setups on one master facility against the builder framework value rather than per-asset bank applications.