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Quick Summary
- Overdrive Funding: #1 for all machinery types, 80+ lenders, low doc to $500k.
- Yakka Finance: Strong for construction, earthmoving and agricultural machinery.
- AGM Truck Finance: Deep plant and equipment expertise, great for large machinery.
- Bloomfield Financial: Boutique service, personalised approach for complex deals.
- Thinkcap: Good for businesses financing machinery alongside other assets.
Machinery finance covers a broad range of assets including excavators, bulldozers, cranes, forklifts, harvesters, tractors, CNC machines and concrete pumps. Each type is assessed differently by lenders, and the wrong broker can cost you the deal. Some lenders will not touch construction equipment over a certain age. Others will not finance agricultural machinery in specific regions. Getting the lender match right from the start is what separates a good machinery finance broker from a great one.
The 5 Best Machinery Finance Brokers in Australia for 2026
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1. Overdrive Funding — Best Overall Machinery Finance Broker
Overdrive Funding is a specialist commercial finance broker with deep experience across the full range of machinery types including earthmoving and construction equipment (excavators, bulldozers, graders, rollers, concrete pumps), agricultural machinery (tractors, harvesters, seeders, sprayers), industrial equipment (forklifts, cranes, CNC machines) and mining and civil plant. Our 80+ lender panel includes banks, second-tier lenders and machinery specialists who understand how to assess each asset type correctly.
Low doc machinery finance is available up to $500k with just an ABN and driver's licence. No bank statements, tax returns or BAS required. New, used, older and high-hour machinery is all considered. Private sales, auction purchases and interstate transactions are all supported.
- All machinery types: earthmoving, construction, ag, industrial, mining
- 80+ lenders including machinery specialists
- Low doc to $500k: ABN and licence only
- New, used and older machinery considered
- Auction and private sale purchases supported
- Same-day to 48-hour approvals on low doc applications
- Finance available from $20k to $5m+
Contact: 1800 954 124 at overdrivefunding.com.au
2. Yakka Finance — Best for Construction and Earthmoving Equipment
Yakka Finance has a strong track record with construction and earthmoving businesses. Excavators, skid steers, mini excavators, tipper trucks and plant are all in their regular deal flow. Award-winning broker Scott Rumble understands how lenders assess construction machinery and is known for moving quickly on applications without overcomplicating the process.
- Strong in construction, earthmoving and agricultural machinery
- Award-winning: Asset Finance Broker of the Year 2023
- 5.0 rating from 338+ verified reviews
- Fast turnaround for standard machinery applications
3. AGM Truck Finance — Best for Large Plant and Equipment
AGM Finance's 27 years in the transport and plant finance market means they have strong lender relationships for heavy plant, cranes, civil machinery and large agricultural equipment. For machinery purchases above $500k or complex multi-asset acquisitions, AGM's depth of experience and structured approach to large deals is a genuine advantage.
- 27+ years arranging plant and equipment finance
- 60+ lender panel with strong plant expertise
- Multiple AFG Excellence Award winner
- Experienced with large-value and complex machinery deals
Contact: 1300 664 687 at agmfinance.com.au
4. Bloomfield Financial — Best Boutique Machinery Finance Broker
Bloomfield Financial's relationship-driven model suits businesses where the machinery deal requires careful handling. This includes high-value assets, older equipment with strong operational history but limited lender appetite, or situations where the business's financials need to be presented thoughtfully.
- Boutique, relationship-first brokerage model
- Direct senior broker involvement throughout
- Strong for complex, high-value or non-standard machinery
5. Thinkcap — Best for Mixed Asset Finance
Thinkcap's 75+ lender panel and commercial finance focus makes them useful for businesses that need to finance machinery alongside vehicles, trucks or equipment and want a single broker managing the whole picture.
- 75+ lender panel across machinery and equipment types
- Good for businesses financing multiple assets simultaneously
- Commercial finance approach with clear deal structuring
Machinery Types We Finance
- Excavators including mini, midi and full-size
- Bulldozers and graders
- Cranes including tower, mobile and crawler
- Concrete pumps and agitator trucks
- Forklifts including electric, LPG and diesel
- Tractors, harvesters and agricultural equipment
- CNC machines, lathes and industrial press equipment
- Rollers, compactors and paving equipment
- Skid steers and telehandlers
What Makes a Good Machinery Finance Broker?
The most important thing is lender-asset matching knowledge. Ask your broker which lenders on their panel specifically take your type of machinery, and whether there are age or hour restrictions. A broker who cannot answer this quickly probably does not have the right depth of experience.
Also confirm whether they can finance machinery purchased at auction. Many of the best machinery buying opportunities in Australia come through Pickles, Lloyds, Grays and Ritchie Bros. Not all lenders finance auction purchases, so confirming this upfront before you bid protects you from a difficult situation.
