Get the earthmoving equipment your business needs. Without tying up your capital.

Yellow goods are the backbone of construction, earthmoving, and civil contracting businesses across South Australia. Whether you’re buying your first excavator, upgrading a fleet of skid steers, or adding a dozer for a new contract, the right finance keeps your cashflow intact and your business moving.

Yellow goods finance

Yellow goods finance covers everything from compact bobcats and skid steers through to large excavators, bulldozers, and graders.

Yellow goods finance is equipment finance specifically for these assets. Instead of paying for machinery outright and draining your working capital, you spread the cost over a loan or lease term that suits your cashflow and business structure.

As an independent broker, we search across a wide panel of lenders to find the right product for your situation, not just whatever one lender happens to offer.

What we can finance

If it’s heavy, works on a construction site, and has a serial number, there’s a very good chance we can finance it.

That includes excavators and mini excavators, bulldozers and dozers, graders and scrapers, skid steer loaders and bobcats, backhoes and front end loaders, compactors and road rollers, mobile cranes and boom lifts, scissor lifts and elevated work platforms, tippers and dump trucks, asphalt pavers and mixers, forklifts, and trenchers and attachments.

New equipment, used equipment, dealer purchases, private sales, and auction buys, we arrange finance for all of it. If you’re not sure whether what you need qualifies, just ask. The answer is almost always yes.

Looking for the right business finance? Download our guide here. We take a look at business finance options, why good finance is good for business and how using a broker can take the stress away from finance and business.

The right structure depends on your business setup, your tax position, and whether owning the asset outright matters to you. Here’s how the main options work.

Chattel mortgage

You own the equipment from settlement day, with the lender holding security over it until the loan is paid off. You can claim GST upfront and depreciate the asset over time. The most common structure for established businesses and the right choice if maximising tax benefits is a priority. Talk to your accountant about what works for your situation.

Finance lease

The lender owns the equipment and you make regular lease payments over an agreed term. At the end, you can purchase the asset, extend the lease, or hand it back. Lease payments may be fully tax deductible. Good for operators who want predictable payments and the option to upgrade at the end of the term.

Commercial hire purchase

The lender owns the equipment and you hire it, making repayments until the final payment when ownership transfers to you. Often simpler to get approved, and interest is still deductible over the loan term.

Operating lease

you use the equipment for a set period and hand it back at the end. No purchase obligation. Suits businesses running equipment that dates quickly or where flexibility to swap assets matters more than ownership.

Not sure which one fits? We’ll walk you through the options and work alongside your accountant to make sure the structure makes sense from a tax perspective.

Most yellow goods finance products allow for a balloon or residual payment – a lump sum due at the end of the loan that reduces your regular monthly repayments throughout the term. It’s a common structure for construction equipment and can make a significant difference to your day-to-day cashflow.

At the end of the term you can pay out the balloon, refinance it, or sell the equipment and use the proceeds. We’ll help you work out whether a balloon makes sense for your situation and what size balloon is realistic.

There’s a strong secondhand market for earthmoving equipment in Australia, and buying used can make a lot of sense – shorter lead times, lower purchase price, and the original owner has already absorbed the biggest hit of depreciation.

Most lenders will finance used equipment as long as it meets their age and condition requirements. For older equipment, they’ll often want to know the hours clocked, whether there have been any rebuilds, and the general condition of the asset. We’ll flag anything that might be a sticking point before you commit to a purchase.

Buying at auction or from a private seller? We arrange private sale finance regularly. We’ll need the make, model, year of manufacture, and details of the asset – and we’ll let you know upfront what the lender will need to see.

We work with businesses of all sizes across South Australia that need earthmoving and construction equipment finance. That includes civil contractors and earthmoving companies, builders and construction firms, demolition contractors, plumbers, electricians, and trade businesses, landscapers and horticulturalists, quarrying and mining support operations, and sole traders and owner-operators buying their first piece of plant. If you have an ABN and the equipment will be used for business purposes, there’s likely a lender on our panel who can help.

Starting out, or dealing with a tighter credit situation?

Not every business comes to us with three years of clean financials and a strong credit history – and that doesn’t automatically mean no. Some lenders on our panel specialise in newer businesses, low-doc applications, and situations where standard bank criteria haven’t been met.

We’ll assess your situation honestly and tell you upfront what’s realistic. If a deposit or a slightly different structure improves your chances, we’ll say so before you apply rather than after a declined application has hit your credit file.

We’re an independent Adelaide broker, which means we work for you – not for any one lender. We search across a wide panel of lenders including specialist equipment financiers who understand the construction and earthmoving industry, and we find the product that suits your situation, your tax position, and your cashflow.

We’ve been working with SA businesses since 2005. We know which lenders are most competitive for yellow goods finance, how to structure applications that get approved, and how to make the process as straightforward as possible so you can focus on running your business.

Pre-approval is typically available within 24 to 48 hours for straightforward applications. Once approved, we coordinate settlement so the equipment gets to you without unnecessary delay.

Tell us what you’re looking to finance – the type of equipment, whether it’s new or used, the approximate value, and your business situation. We’ll identify the right lenders and structures, compare your options, and come back to you with a clear recommendation. We handle the application, manage the paperwork, and keep you across the process from start to settlement.