Machinery & asset finance

Machinery and asset finance

Machinery and asset finance funds the equipment a business earns its income from, from excavators and tractors to workboats and trailers. LDM Finance structures the deal around the asset and your cashflow, then places one application with a suitable lender on its panel across UDC-supported categories.

Categories we finance

Machinery finance spans the asset classes supported across our lender panel, including categories UDC Finance specialises in.

Category	Typical assets
Earthmoving	Excavators, loaders, diggers and compaction plant
Transport	Trucks, trailers, tippers and logistics equipment
Agricultural	Tractors, harvesters, irrigation and farm implements
Marine	Commercial vessels, workboats and marine equipment
Aviation	Aircraft and aviation support equipment

Estimate a repayment on a machine

Machinery finance works much like vehicle finance. The machine is the security, and the term is shaped by the asset type, age and hours. Adjust the amount below for an indicative weekly figure, then model the full detail in the calculator.

Estimate a machinery repayment

Indicative, at 12.95% p.a.

Amount to finance$120,000

Indicative weekly repayment

$3,215/week

Open the full calculator →

The numbers

A $120,000 excavator, zero deposit

Amount financed

$120,000

Deposit

Weekly repayment

$628

Term

5 years

Indicative only, five-year term, zero deposit, at a representative rate of 12.95% p.a. Actual terms depend on the machine, its age and your circumstances. Not an offer of finance.

Machinery finance questions

What machinery can I finance?

Finance is available across earthmoving, transport, agricultural, marine and aviation categories, from excavators and tractors to workboats and trailers. If the machine is an income-earning business asset, we can usually structure finance for it and place it with a suitable lender on the panel.

Can I finance used machinery?

Often, yes. Used machinery is commonly financed, though the asset age, hours and type affect the term and the lender. Older or specialised equipment may need a shorter term. We assess the machine and your position, then match the application to a lender that supports that asset class.

Do I need a deposit for machinery finance?

Not always. Several lenders on the LDM panel offer zero deposit finance on business assets, subject to approval and the machine. A deposit lowers the amount financed and total interest. We model both so you can weigh keeping capital free against a smaller loan.

How is machinery finance secured?

The machine itself is usually the security for the finance, similar to a vehicle loan. This is why the asset type, age and condition matter to the lender. We prepare the application to present the asset and your trading position clearly to the right lender on our panel.

Request a tailored finance structure

Tell us the machine and how the business trades. We will structure the finance and place it with a lender that supports the asset class.

Open the calculator Apply for finance

LDM Finance works with a panel of lenders and is not a lender. Approvals are subject to responsible lending inquiries. Each lender's eligibility criteria, fees, terms and conditions apply. All figures are indicative only, at a representative rate of 12.95% per annum, and do not constitute an offer of finance. Finance wording follows UDC Finance's standard guidance and remains subject to UDC marketing review.