Yellow Goods and Plant & Equipment Finance with Loanworx

Heavy machinery, yellow goods and equipment are the backbone of many businesses – but buying them outright can put serious strain on your cash flow. Whether you need earthmoving equipment, forklifts, cranes, graders, rollers or generators, the right plant and equipment finance can help you get on with the job without tying up all your working capital.

At Loanworx Asset Finance, we help you structure yellow goods and machinery finance around how your business really operates, so you can secure the gear you need and keep your cash flow moving.

Why businesses choose Loanworx for plant and equipment finance

At Loanworx Asset Finance, we understand that plant and equipment are more than just line items on a balance sheet – they’re what keep your projects, contracts and teams moving.

We take the time to understand what you do, the type of machinery you need, how often you replace equipment and how cash flows through your business. Then we match you with plant and equipment finance options that are designed to support your work schedule, not disrupt it. Whether you’re in civil works, construction, road building, transport or manufacturing, our goal is to make equipment funding straightforward and sustainable.

How we tailor yellow goods and machinery finance

Our brokers have direct access to lenders who specialise in plant and equipment finance, including yellow goods and other machinery. Rather than pushing a one-size-fits-all product, we look at your cash flow needs, equipment replacement cycles and future growth plans, and structure your finance accordingly.

That may include funding for new or used machinery, pre-approved lines of credit so you can move quickly on future purchases, or refinancing existing equipment to release capital back into the business. We work closely with your accountant where needed, so your asset finance fits neatly into your broader tax and business strategy.

When plant and equipment finance can help your business

It might be time to look at plant and equipment finance if you are turning down work because you do not have the right machinery, relying on old equipment that is costing you in repairs and downtime, or considering buying gear outright and are concerned about the hit to your cash flow.

Finance can also make sense when you are expanding into new services, bringing more work in-house instead of subcontracting, or looking to upgrade to more efficient equipment that can help you complete jobs faster. The key is choosing a structure that matches the realistic working life of the asset and the way your business earns income.

Why planning your equipment funding early makes a difference

Planning your plant and equipment finance before you commit to machinery purchases gives you more choice and less pressure. When we talk early, we can line up pre-approvals, look at different structures and limits, and make sure the repayments fit comfortably with your cash flow. That means when the right machine, truck or attachment comes up – whether from a dealer or auction – you can move quickly and confidently, without scrambling for last-minute funding or risking a squeeze on working capital.

Key things to know about plant and equipment finance

Potential Benefits:

Preserve working capital by spreading the cost of machinery over time
Match repayments to your cash flow cycle and equipment usage
Fund new or used yellow goods, including earthmoving and civil equipment
Use pre-approved facilities to act quickly when opportunities arise
Refinance existing machinery to unlock capital for other parts of the business

Things to Watch:

The total cost of finance once interest, fees and charges are included
The realistic working life of the equipment versus the finance term
Ownership and end-of-term conditions depending on the product type
Security arrangements, including whether guarantees or additional collateral are required
Ensuring facilities are reviewed as your fleet and business needs change

We will talk you through these factors in plain language and show you how different options would look in your business before you choose a path.

Our lender panel for yellow goods and equipment finance

For plant and equipment finance, it helps to work with lenders who understand machinery and yellow goods. Loanworx Asset Finance works with:

specialist plant and equipment lenders
major and second-tier banks with dedicated asset finance arms
providers who are comfortable funding both new and used gear, subject to policy

Because we can compare across this broader panel, we are able to focus on getting the right mix of rate, term, structure and flexibility for your specific equipment and industry.

How plant and equipment finance works with Loanworx

Step 1 – Talk through your equipment needs

We start by discussing the machinery you need now and what you are likely to require over the next 12–24 months, along with how your projects and cash flow typically run.

Step 2 – Review numbers and finance options

We look at your financials, trading history and equipment plans, then outline plant and equipment finance options that may suit – whether that is a standard asset loan, a pre-approved line of credit or refinancing existing machines.

Step 3 – Choose the right structure and lender

Once you are comfortable with the direction, we match your needs with lenders who specialise in yellow goods and equipment, comparing terms, pricing and conditions so you can make an informed choice.

Step 4 – Approval, settlement and future support

We manage the application, approval and settlement process so you can focus on running your business. Where you have pre-approved facilities in place, we help you use them efficiently for future purchases as opportunities come up.

Speak with a Loanworx Asset Finance Specialist

Frequently Asked Questions

Can I finance used equipment, or only brand-new machines?

In many cases, yes – used yellow goods and machinery can be financed, subject to age, condition and lender policy. We will let you know what is realistic for the specific equipment.

Do I need property as security for plant and equipment finance?

Often, the machinery itself forms a key part of the security. In some cases, additional security or guarantees may be required, depending on the size of the facility and your overall position. We will explain the requirements before you proceed.

Can I get a pre-approved limit for future equipment purchases?

Yes, some lenders offer pre-approved lines of credit for plant and equipment finance, which can make it easier to move quickly on future purchases without starting from scratch each time.

Is refinancing existing machinery an option?

It can be. If you own equipment outright or have equity in financed assets, refinancing may free up capital for other parts of the business. We will show you the pros and cons before you decide.

Which industries do you work with?

We regularly assist clients in civil works, construction, road building, transport, earthmoving, manufacturing and other industries that rely on yellow goods and heavy equipment.

Ready to talk plant and equipment finance with Loanworx?

If you are upgrading machinery, expanding operations or simply want a better way to fund yellow goods, now is a good time to explore your plant and equipment finance options with Loanworx Asset Finance.

Call us on 1300 562 696 and one of our asset finance specialists will be in touch.

Here to support you on your financial journey.

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Ready to talk finance?

It’s what we do best. Call us now on 1300 562 696 or fill in the below form to speak to one of our highly skilled brokers.