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Plant and Machinery Finance

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Plant and equipment finance
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Savvy Editorial Team

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Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
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Last updated
March 14th, 2025


Flexible and affordable plant finance for you

Whether you’re looking to buy new, refinance existing plant, or replace your old machinery or plant, Savvy has a range of commercial loan options, such as affordable and flexible chattel mortgages and commercial hire purchases. We also help your business find the best deals and lowest finance rates on commercial leases. Choose from a tailored lease solution such as finance leases or operating leases.

Savvy helps businesses in manufacturing, mining and heavy industry finance mobile plant for construction, aviation and rail plant, energy industrial machinery, light industrial plant, commercial enterprise business machinery, and materials handling. Get started with a free, no-obligation quote today!

Why compare commercial finance with Savvy?

100% free service

It won't cost you a cent to compare a range of commercial finance options through Savvy, enabling you to come back at any time.

Trusted lending partners

You can compare finance offers through a range of trusted Australian providers, giving you more confidence in the process.

Online quote process

You can fill out our simple online form and we'll get to work comparing offers from our commercial partners to find the best for your business.

Business lenders you can compare

Your commercial finance options

Businessman driving his car
Chattel mortgage

Purchasing a car or another asset for your business? Chattel mortgages function in the same way as a standard car loan but offer a range of tax benefits to save your business money in the process.
Road construction equipment lined up on a building site
Equipment finance

Many companies require highly valuable equipment to help them operate, but they don’t come cheap. Equipment finance can help your business manage the cost of valuable plant or machinery.
Man in high vis standing in front of trucks
Truck finance

If you’re looking to purchase a truck for your business, you can access specialist financing to help you buy it the right way. Truck finance can help you buy the vehicle you need, big or small.
Farmer watching a tractor operate on his farmland
Agriculture finance

Farmers and those in the agriculture need a range of specialised vehicles and equipment to operate. Seeking out agriculture finance could be the solution you need to make the purchase happen.
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Operating leases

You may not want to commit to the purchase of your vehicle or equipment just yet. Operating leases come with a variety of key benefits, such as having on-road costs built into your tax-deductible payments.

What our customers say about their finance experience

What our customers are saying

5/5
Trailer Purchase
Jake is super efficient knowledgeable and always hits the mark with whatever i need to get done . Thanks again buddy
 
5/5
I've been dealing with Vas for a little while now and he exceeds my expecta
I've been dealing with Vas for a little while now and he exceeds my expectations time after time. Very prompt approvals and settlements. 10 star Service
 
4/5
Customer Feedback
Patrick was awesome very helpful.highly recommended
 
5/5
Top Broker
Very fast turnaround, Anthony always goes above and beyond for us thats why we keep coming back. Thanks once again.
 
5/5
Great service, highly recommend!
Mita has been fantastic through the entire process, he’s in constant communication with us, and made the process as easy as possible. There were a couple of hiccups with the vendor and Mita made it so easy to get them sorted. Thank you!
 
5/5
Thank you for your company.
Fast service and friendly staff.
 
5/5
Great and quick service
Quick and responsive
 

Savvy is rated 4.9 for customer satisfaction by 93 customers.
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How to apply for a commercial loan with Savvy

Tell us about yourself and what you want to buy

First of all, fill out our simple online application form. This will tell us details like what you want to buy, how much you need and your business’ structure, revenue and trading time.

Send through any required documentation

We may require further information in some cases to verify parts of your application. If this is the case, we’ll ask you to submit additional documents via our online portal.

Discuss your next steps with a Savvy consultant

Once we get all the info we need, we’ll get to work comparing options from our lender panel. A member of our consultant team will give you a call to talk about your options.

Have your application submitted for formal approval

After you give us the all-clear, we’ll get to work preparing your application to submit to your lender. This can be formally approved as soon as within 24 hours.

Sign your contract and settle the deal

Once you receive approval, you’ll be sent all the required contracts and forms you’ll need to sign, which can be done electronically. We’ll handle settlement and the asset can be yours before you know it!

Commercial loan eligibility and documentation

Plant and machinery finance FAQs

Do you help find finance for new businesses?

Yes – we help businesses new and old find finance for their machinery or plant.

Can we get more than 100% finance?

Yes – chattel mortgages and hire purchases give business the option to finance more than 100% of the value of their machinery to finance insurance, training or other setup costs.

I want to lease my plant but have an option to buy. Can I?

Yes – finance leases and operating leases can give you the option to buy your plant or machinery at the end of your loan term, provided you settle the residual value payment.

My business operates in a specialised industry. Can we get machinery finance?

Yes – we help businesses in aviation, rail, mining, construction and any business that requires heavy machinery gain finance for their operation.

Can I claim back depreciation on tax?

Yes – your commercial finance options allow you to claim GST, depreciation and interest on heavy plant or machinery purchases or leases. In some cases, you can claim the fuel input tax credit.

Helpful guides on business loans

Apply for commercial finance today

We're here to help you find the most affordable options, so there's no better way to compare commercial options and rates than right here, all in one place.
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Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use. 

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