Finance for manufacturing, shaped around how you get paid.

Yes. A contract or purchase orders from a major customer for the product the machine will make are strong evidence of earnings and often move an application from a deposit to no deposit, or from full financials to a lighter assessment. Include them with the machine quote.

Progress payments to the manufacturer are funded through a trade finance facility or by the equipment lender, and the whole amount converts to a chattel mortgage when the machine is installed and commissioned. Tell your broker the payment schedule early so the structure is in place before the deposit is due.

Trade finance pays suppliers for raw materials with 90 to 180 days to repay, invoice finance advances against finished goods invoices on 30 to 60 day terms, and a line of credit fills the gaps. Together they fund the whole cycle from materials to payment, and the facilities grow with turnover.

Yes. A sale and leaseback or refinance secured on unencumbered CNC machines, presses, lasers and lines can release 60 to 80 per cent of their valuation for working capital or expansion, with the machines staying on your floor. Lenders like recognised brands with strong secondary markets.

Terms usually run from 12 to 84 months. The ceiling is generally set by the expected working life of the asset: heavy earthmoving and trucks often stretch to five or seven years, while IT hardware and point-of-sale systems are commonly kept to two or three. Lenders also look at the age of the asset at the end of the term, so a ten-year-old machine will attract a shorter term than a new one. Longer terms lower repayments and raise total interest.

Earthmoving and civil plant such as excavators, loaders, dozers, graders and rollers; manufacturing plant such as CNC mills and lathes, presses, laser cutters and production lines; cranes, forklifts and telehandlers; concrete, asphalt and crushing equipment; woodworking, printing and packaging machinery; and agricultural machinery. New and used machines are financed, with lenders that specialise in yellow goods and in manufacturing plant.

Yes. Used yellow goods and plant are financed routinely, from dealers, private sellers and auctions. Lenders look at the machine’s age, hours and condition, and most allow it to be 15 to 20 years old at the end of the term for well-maintained equipment. Private and auction purchases need a PPSR check and usually an inspection. Machines with very high hours or heavy modification may attract a shorter term or a deposit.

Yes. Buckets, rippers, tilt hitches, augers, GPS machine-control systems, installation, commissioning and delivery can all be included in the amount financed when they are on the supplier’s invoice. Bundling them keeps the whole cost of putting the machine to work on one repayment rather than draining cash for the extras.

A balloon of 20 to 40 per cent is common on machinery with strong resale value, such as excavators and loaders, because it lowers the monthly repayment and the machine can be sold or traded to clear the balloon at the end. Production machinery that will stay in the factory for its full life usually suits a low or zero balloon. Your broker sets the balloon against the machine’s expected value at the end of the term.

One to seven years. Yellow goods and heavy plant are commonly financed over five years, sometimes seven for new machines with long working lives. Production machinery is often matched to the contract or the expected technology cycle. A term that lines up with the work the machine is winning keeps the repayment covered by the income it generates.