Our mission is simple. We help Aussie businesses secure machine loans that fund real growth. Whether you're financing new or used machinery like excavators, forklifts, CNC machines, laser machines, or earthmoving equipment, machineloans.com.au finds the most practical and cost-effective way to get it funded.
Our team of expert machine finance brokers will help you secure the perfect deal. Our team can source machines for you and ensure you get the best rates, terms, and structure for your deal.
Your bank reads your file against one rulebook. We read it against more than fifty lenders and send it to the one most likely to say yes, at the best rate they offer.
We have seen which lenders move fast, which ones price a used asset well, and which ones will look past a rough patch on a credit file. That knowledge is the whole job.
Every deal is different. Here are a few real-world situations we have helped Australian businesses navigate, from startups with limited history to established operators upgrading critical equipment.
A Sydney-based logistics startup needed a 3-tonne Isuzu box truck to fulfil a new Australia Post delivery contract. With only 6 months of trading history and no property to offer as security, two major banks declined the application outright. We matched the deal to a specialist transport lender that assessed the underlying contract strength instead of historical financials. The client was approved for $78,000 over 5 years with a low doc package, settle-to-invoice funding, and a 30% balloon to keep monthly repayments under $1,400. The truck was delivered within 10 days of enquiry.
You can book a free discovery call with our team to learn about your options or simply submit an enquiry and we'll call you back as soon as possible.
We offer discovery calls to learn about your business and finance requirements.
We'll shortlist the most favourable options for your piece of equipment and explain each one to you.
We'll secure pre-approval based on steps 1 and 2 so you have peace of mind.
Found the machine? We'll make sure you're approved and the funds are available.
We finance the gear behind real Australian businesses. A few of the deals we see most often, with a link to the page that goes deep on each one.
A Newcastle civil contractor financed a used 14-tonne excavator on a chattel mortgage to start a council roadworks job the following month.
More on equipment loansAn owner-driver out of Western Sydney moved into his first prime mover, structured with a balloon so the repayments matched the linehaul contract.
More on truck loansA regional clinic financed a digital imaging suite plus the fit-out in one facility, installed before the end of the financial year.
More on medical machine loansA grain grower financed a new tractor on seasonal repayments, weighted around harvest income rather than flat monthly instalments.
More on agricultural machine loansIf your machine is not listed, it can almost certainly still be financed. Asset loans covers the rest.
Most machine loans are written as a chattel mortgage. You own the machine from day one, the lender holds security over it until the loan is paid out, and you can generally claim the GST and depreciation. Lease and hire purchase exist for businesses that want lower outlay or plan to upgrade often.
The detail differs by asset, which is why each machine type has its own page with the specifics. Confirm the tax treatment with your accountant.
There are various factors to consider when calculating your loan. They can include the asset cost, interest rate, loan term, brokerage, balloon payments, lender fees, and more.
This calculator is only designed to give you a rough indication of the repayments, but this can often be different based on your specific requirements.
Want to get an accurate idea of your eligibility and loan repayments? Book a discovery call today or submit an inquiry with the team and we'll get back to you within 24 hours.
Enter the amount you wish to borrow.
Annual interest rate on the loan.
Duration of the loan in years.
Monthly payment
$472
Your estimated monthly payment.
Take the next step towards owning your business asset.
Consult the team at Stacked Finance and get the best deal.
Talk to the teamNot sure where to start? Feel free to book a call with our finance team to chat through your objectives.
On the call, we'll talk you through your business goals, machine requirements, processes, expected timelines, and anything else to help you make an informed decision.
June 2026
š Sydney, Melbourne time
A machine loan is asset finance for the equipment a business runs on. You borrow against the machine itself, which usually means a sharper rate than an unsecured business loan, because the lender holds security over the asset. Most are written as a chattel mortgage, so you own the machine from day one and can generally claim the GST and depreciation. Confirm the tax treatment with your accountant.
The machines we finance, the lenders we know, and the experience behind every deal.
MACHINE TYPES FINANCED
38+
From excavators to imaging gear
COMBINED EXPERIENCE
10+ years
Across the team
LENDER PANEL
50+
Banks and non-bank specialists
AUSTRALIA-WIDE
All states
Financing machines nationwide
Real people on the phone, with skin in every deal. We work hard to help Aussie businesses secure the machinery they need to fuel growth. Weather its an excavator, laser machine, or crane, we make it happen.