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7 Jul 2026
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Machinery finance
Power your business growth with Fido Finance
Across construction, earthmoving, and manufacturing, your machinery is everything.
If a machine breaks down, or if you’re turning away big contracts because you lack the right gear, your business is falling behind.
At Fido Finance, we move as fast as your industry demands and secure competitive rates across a panel of 30+ lenders so you can get the right machines onsite and get to work.
✓ Fast approvals (often within 24 hours): Our streamlined digital process is designed to secure approvals in as little as a day.
✓ Access 30+ versatile lenders: With a panel of 30+ bank and non-bank lenders, you access better rates and terms.
✓ New or used purchases: All types of machinery across business, trade, construction, and other operational industries.
Get in touch with us at Fido Finance on 13 34 36 or fill out the online form if you have any queries or need some more information.
OVER $550
MILLION
IN LOANS APPROVED
JENNY - FIDO FINANCE CUSTOMER
Equipment loans the Fido Finance way
Whether it’s freeing up working capital or accessing the most up-to-date equipment, our award-winning team makes machinery finance quick, simple and stress-free.
We’re all about the human experience. While our process is streamlined and digital, you’ll always have a dedicated Fido Finance expert in your corner to handle the heavy lifting and clear up any confusing fine print.
You deal with one person, one point of contact. Your broker structures the loan, educates you on your options (including how much you can borrow) and handles the time-sucking admin to get you funded quickly, at a great rate.
What can you finance?
If it helps your business earn, we can probably fund it.
| Construction & earthmoving: Excavators, skid steers, loaders, cranes. | Agriculture: Tractors, harvesters, irrigation equipment. |
| Manufacturing & industrial: CNC machines, lathes, warehouse forklifts. | Tradie essentials: Specialised trailers, generators, heavy-duty tools. |
Repayment structures that align with your revenue
Your income isn’t always flat. Your loan structure shouldn’t be either.
Our deep relationships with asset finance specialists allows us to engineer your repayment schedule to mirror the cash flow cycles of your industry.
Seasonal repayments: Scale your repayments down during planting or quiet winter periods, and load them into harvest or peak revenue months.
Structured step-up/step-down loans: Start with ultra-low payments while your new excavator or manufacturing plant gets up to speed, or front-load payments early to smash the principal down faster.
Balloon & residual value flex: Keep your ongoing weekly overheads incredibly low by deferring a percentage of the asset’s cost to the very end of the term – giving you flexibility to pay it out, refinance, or trade the machine up.
OVER $550
MILLION
IN LOANS APPROVED
Six simple steps to securing same-day financing
Supply a few details
Share your name, number
and email.
Chat to an expert
Quick 10 min chat to get to
know each other.
We fetch your best rate
We go out and work hard on
your behalf.
You approve your rate
Give us the thumbs up to go
ahead with your loan.
Sign your contract online
No messy paperwork or
scanning – just sign off online.
Grow your business
You could be funded
and cashed up in 24 hours.
Don’t have your latest tax returns ready? No problem
Low Doc and No Doc loans
If you’re an ABN holder trading for 12+ months, we can often secure finance using only your BAS or business bank statements.
☐ Fast loan approvals that take little time to sort out.
☐ Flexible terms that look past fluctuating business revenue.
☐ Minimal paperwork so you keep more of your valuable time.
☐ GST and other tax breaks for eligible ABN holders to support your business.
Why business owners love them:
- Speed: Without the need for full financial figures, approvals can often happen in hours, not weeks.
- Eligibility: You don’t have to meet strict metrics or high credit scores.
- Opportunity: See a great deal on a backhoe or CNC machine? Low doc pre-approval lets you move fast before someone else snags it.
OVER $550
MILLION
IN LOANS APPROVED
Contact us today to get the lowest rate possible
Receive unmatched support and knowledge from a machinery finance officer – with no obligation or commitment.
Put our panel of 30+ lenders to the test whether you’re looking for a rate that works for you or just looking to explore your options.
No commitment. Serious business-building potential.
Trusted by 100s of business owners for over 5 years
What sets us apart:
30+ trusted lending partners
100% Australian-based team
Over $550 million in loans approved
5.0/5 average customer rating on ProductReview.com.au!
Most approvals within 24 hours
Voted best in car loans four years running: 2023, 2024, 2025, 2026
Frequently asked questions
How fast can I get approved for new machinery?
Our streamlined digital process is built for speed, aiming for approvals within 24 hours. This ensures you can secure the equipment you need and get it on-site without losing days of productivity to sloth-like bank bureaucracy.
What type of machinery can I finance through Fido Finance?
If it helps your business grow, there’s a good chance we can fund it. Our panel of 30+ lenders covers a massive range of heavy equipment and construction machinery, including:
- Construction & earthmoving: Excavators, skid steers, and cranes.
- Agriculture: Tractors, harvesters, and specialised implements.
- Manufacturing: CNC machines, lathes, and industrial printers.
- Tradie gear: Specialised trailers, generators, and heavy-duty workshop tools.
Do I need to provide my full tax returns for a machinery loan?
No. We offer Low Doc options specifically for ABN holders who have been trading for 12+ months. Instead of years of tax returns and P&L statements, we can often secure approval using just your recent business bank statements or BAS.
Can I finance used or second-hand machinery from a private seller?
Yes. Whether you’re buying a used backhoe from a private contact or a second-hand CNC machine from an auction, we handle the due diligence for you. This includes PPSR title searches to ensure the equipment is free of debt and safe for you to purchase.
How does a balloon payment improve my cash flow?
A balloon payment allows you to defer a portion of your loan until the end of the term. This lowers your monthly repayments, keeping more cash in your business for fuel, wages, and maintenance. At the end of the loan, you can pay the balloon payment, refinance, or trade the machine in for a newer model.
What interest rates can I expect for machinery finance?
With access to 30+ bank and non-bank lenders, we shop the entire market to find the most competitive rate for your specific industry. Rates are influenced by the age of the equipment and your business history, but we pride ourselves on transparency, so we’ll explain what affects your rate and find the best market-leading fit.
We are proud to support business owners like you
1,000+ 5-star reviews on Google.
Zero obligation or impact on your credit score.
