Plant and Machinery Finance
Power Your Operations with Smarter Plant & Machinery Finance
From Earthmoving gear to Manufacturing equipment, Plant & Machinery Finance makes it easy to secure the heavy assets your business depends on. Fund up to 100% of new or used equipment and grow without tying up working capital.
Backed by VIM Cover and powered through our 70+ lender network, we help Australian businesses discover smarter ways to upgrade , expand or modernise while keeping your cash flow strong.
Funding growth. Fueling ambition. That’s the VIM way.
Key Takeaway
Finance up to 100% of the plant or machinery value and keep your cashflow intact
Fast, Low Doc approvals available for eligible businesses with flexible terms up to 7 years structured around your operational needs
Simple process, quick turnaround, and finance that moves as fast as your business does
What Is Plant & Machinery Finance?
Power your business with the tools that keep it moving.
Plant and machinery finance allows your business to purchase or upgrade heavy equipment — including earthmoving gear, construction machinery, agricultural equipment, manufacturing plant, and mining machinery — without draining your working capital.
You can finance up to 100% of the asset value, using the equipment itself as security, and repay it over manageable terms while it drives productivity and growth from day one.
Backed by VIM Cover and supported by our 70+ lender network, VIM Capital handles the hard part: sourcing competitive offers, negotiating sharp rates, and structuring the finance to suit your operational cash flow.
Who Qualifies?
Discovery Call: We start by understanding your goals, the machinery you need, your workflow, and financial position.
Tailored Options: We source and compare offers from over 70+ commercial and asset finance lenders.
Approval & Documentation: We handle the application, paperwork, valuations, and lender negotiation, delivering a smooth, fast and stress free approval process.
Delivery & Development : You take possession of the machinery, and we make sure your repayment structure aligns with your seasonal demand and operational needs.
Get started
Let’s get the Commercial Asset Finance you are after
Damian Van Raay
Director – Asset & Commercial Finance
Common Features of
Plant and Machinery Finance
Loan Rates and Terms
Every business is different, and lenders assess plant and machinery finance based on several key factors.
Your rate and terms will depend on things like:
- The amount you’re looking to borrow
- Whether the machinery is new, used, or specialised
- If you’re choosing to buy outright or lease
- Your business revenue, trading history, and credit profile
- The loan term and repayment structure
- The industry you operate in and the asset’s expected lifespan
With access to 70+ lenders, VIM Capital will show you exactly what’s possible.
Backed by VIM Cover, our lending specialists compare the market, explain your options clearly, and secure the most competitive structure for your business needs.
When you’re ready to explore rates and terms tailored to your goals — we’re here to help.
Commercial Lender Options
Why More Businesses Choose VIM Capital for Commercial Finance
Smarter Finance, Built for Business.
We’re not a bank — we’re business people who understand the grind. VIM Capital delivers commercial, asset, and property finance solutions built around your goals, not red tape.
Proudly backed by VIM Cover.
Part of a group that empowers Australian business owners across insurance, finance, and support services — VIM Cover connects us with over 1,000 business relationships nationwide
Vitality, Integrity, Momentum.
We get deals done — quickly, clearly, and without surprises to keep your business moving. Speak directly with your finance specialist and get the clarity you need before you commit.
Why More Businesses Choose VIM Capital for Commercial Finance
Whether you’re exploring Plant and Machinery finance, business loans, or commercial property finance, we’ve made it simple to understand how it all works.
Here, VIM Capital’s business loan specialists break down the most common questions Australian businesses ask — in plain English, not finance jargon.
Plant and machinery finance helps businesses purchase or upgrade heavy equipment without draining working capital. Instead of paying upfront, you spread the cost over time while the machinery boosts productivity from day one.
Pretty much anything essential to operations — excavators, loaders, forklifts, crushers, cranes, agricultural machinery, workshop equipment, and large industrial gear. If it works hard, we can normally fund it.
Yes — many lenders support used, refurbished, or near-new machinery as long as it’s in good working condition. VIM Capital knows which lenders offer flexibility around age, condition, and hours of operation.
Because we combine real industry understanding with serious lender access. Backed by VIM Cover, we negotiate sharp rates, flexible terms and fast approvals — helping Australian businesses upgrade, expand, and stay ahead of the competition.
Leasing lets you use the machinery without owning it, often with built-in upgrade options. A chattel mortgage or hire purchase lets you own the asset at the end. We’ll walk you through what’s best for your cash flow and tax position.
Terms typically range from 2 to 7 years, depending on the equipment’s lifespan and how quickly your business wants to pay it off. We’ll tailor a structure that keeps repayments manageable and cash flow strong.
Most deals require ID, bank statements, and basic business details. For long-established businesses, full-doc deals can get sharper rates — but we also offer low-doc options for operators who need fast, simple approval.
Yes — many lenders allow you to include delivery, installation, upgrades and even maintenance packages in the finance amount to keep upfront costs low and operations running smoothly.
Often yes. Depending on the structure, you may be able to claim interest, depreciation, or leasing costs. Many businesses also take advantage of instant asset write-off rules when available. Always check with your accountant.
Some lenders can approve machinery finance in 24–48 hours, especially for low-doc or mid-tier deals. Through our panel of lenders we know who moves quickly when timing is critical.
Have a question? Just ask!
One of our lending specialists will be in touch
