1800 199 302
Skid Steer Finance — Built for Site Operators, Earthmovers, and Landscapers
A skid steer is one of the most versatile machines on a job site — landscaping, demolition, snow clearing (in the right state), feed-yard work, civil construction prep, and tight-access earthworks. With the right attachments, it does the work of three machines.
CarFund arranges skid steer finance for self-employed Australians — owner-operators, civil contractors, landscapers, farmers, and small construction businesses. No tax returns required for finance under $500,000. Pre-approval in 24 hours.
[GET A FREE QUOTE] [CALL 1800 199 302]
Skid steers we finance
Compact skid steer loaders (under 2,000 lb ROC)
- Bobcat S70 / S450
- Cat 232 / 236
- Kubota SSV65
- John Deere 312GR
Mid-frame skid steer loaders (2,000–2,800 lb ROC)
- Bobcat S550 / S570 / S590
- Cat 242 / 246
- Kubota SSV75
- Case SR175 / SR210
- John Deere 320G / 324G
Large frame skid steer loaders (2,800 lb+ ROC)
- Bobcat S650 / S750 / S770
- Cat 262 / 272
- Case SR240 / SR270
- John Deere 332G
Compact track loaders (CTL — tracked equivalent)
- Bobcat T550 / T650 / T770 / T870
- Cat 259D / 279D / 289D / 299D
- Kubota SVL Series
- John Deere 325G / 333G
Attachments financed alongside the machine — buckets, augers, mulchers, brooms, trenchers, breakers, hammers, snow blades, pallet forks.
New and used. Dealer or private sale.
What you can borrow
| Details | |
|---|---|
| Minimum loan | $15,000 |
| Maximum — no tax returns | $500,000 |
| Pre-approval (property owners) | Up to $250,000 — zero paperwork |
| Loan term | 1 to 7 years |
| Balloon payment | Available |
| Approval time | 24 hours |
| Settlement | 2–3 business days |
Why skid steer operators choose CarFund
1. We finance the machine plus the attachments as one deal.
A skid steer with three attachments costs more than the bare machine — but on most jobs, the attachments are what makes the money. We bundle attachments into the finance package so it’s one approval, one repayment.
2. Used skid steers fully supported.
Used machines hold their value well in this category, and the right used buy can save you 30–40% over new with minimal increased risk. We finance late-model used skid steers and CTLs confidently.
3. No tax returns required.
For loans under $500,000, the no-doc and low-doc pathways apply. Property owners settle on minimal documentation.
4. Specialist lender access.
Macquarie Bank and Capital Finance both run construction equipment programs with sharp rates for accredited brokers like CarFund.
5. Speed.
24-hour approval, 2–3 day settlement. Get on the job, not stuck waiting on finance.
Chattel mortgage — the right structure
For business-use skid steers, chattel mortgage is standard:
- You own the machine from day one
- GST refund on the full purchase price (if GST registered) — claimed next BAS
- Interest tax deductible
- Depreciation deductible — including instant asset write-off where applicable
- Balloon payment to manage cash flow
Learn more about chattel mortgage finance.
For a $95,000 skid steer purchase, the GST refund is around $8,600 — claimed on your next BAS.
Who qualifies?
- Active ABN (12+ months — 24 ideal)
- Australian residency (citizen or PR)
- GST registration (preferred)
- Property ownership — unlocks single-doc finance pathway
- Industry experience — relevant for new operators with limited business history
Common scenarios
Scenario 1 — Landscaper buying first skid steer
Landscaper running a one-man business. Buys a 2-year-old Bobcat S590 at $48,000 with three attachments at $9,000 — total $57,000. Property-owner single-doc chattel mortgage. Settled in a week.
Scenario 2 — Civil contractor adding a CTL
Existing operator runs two skid steers, adds a tracked CTL for boggy site work. $89,000 chattel mortgage on a Cat 279D. Property-owner pathway, balloon at 30%.
Scenario 3 — Farmer for yard maintenance
Cattle farmer buys a Kubota SSV75 ($64,000) for feed yard and shed work. Standard chattel mortgage, no balloon. Settles within 5 days.
How the application works
Step 1 — Free quote
ABN, machine (or budget), attachments, property ownership status.
Step 2 — Pre-approval (24 hours)
We submit to the right lender for construction equipment.
Step 3 — Machine and attachment quote
You negotiate from strength with pre-approval in hand.
Step 4 — Final approval and contracts
Digital signing.
Step 5 — Settlement (2–3 business days)
Lender pays. You take delivery. GST refund flows next BAS.
FAQs
Can I finance a used skid steer from a private seller?
Yes — private sale finance is standard, with a basic inspection where required.
Can I finance attachments separately later?
Yes — additional attachments can be financed under a separate equipment finance facility down the track.
Tracked CTL or wheeled skid steer — does it matter for finance?
No — both finance under the same chattel mortgage structure. Tracked machines hold value slightly better than wheeled in some markets.
What about brand-new from the dealer vs used?
Both are financeable. The right answer depends on your tax position, work volume, and how much downtime risk you can absorb.
Can I structure with a balloon?
Yes. 20–30% balloons are common to keep monthly repayments manageable.
What if I don’t own property?
Still possible — non-property-owner pathway requires a bit more documentation but doesn’t typically require tax returns under $500,000.
Get skid steer finance — fast quote, no obligation
Phone us. Tell us the machine. Get a quote. 10 minutes start to finish.
[GET A FREE QUOTE] [CALL 1800 199 302]
CarFund Pty Ltd — 20+ years arranging finance for self-employed Australians. Macquarie Bank and Capital Finance accredited.
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