For Australian businesses that rely on heavy machinery, construction equipment, commercial vehicles or agricultural machinery, having the right finance structure in place can make all the difference. Whether you’re building, hauling or harvesting, your equipment is the backbone of your operations – and financing it strategically keeps your business moving forward.
Explore your asset finance options.
Understanding “Yellow Goods”
In the finance and lending industry, the term “yellow goods” refers to large machinery and vehicles used across construction, logistics and agriculture. These include:
- Excavators and bulldozers
- Forklifts, backhoes and skid steers
- Tractors, combine harvesters and irrigators
- Commercial trucks and cement mixers
Lenders use this classification to assess risk, loan structure and collateral value. While operators tend to refer to equipment by type or brand (like CAT, Komatsu or John Deere), understanding the “yellow goods” category can help you access the right funding solutions faster and more efficiently.
At Stellify, we simplify this process – helping you identify what lenders see as primary, secondary, or tertiary assets so you can maximise your borrowing potential with confidence.
For more information, check out our blog Primary, Secondary and Tertiary Assets explained.
Finance Options for Yellow Goods
Australian businesses have several asset finance structures available for yellow goods, depending on your ownership goals and cash flow needs:
- Chattel Mortgage – Own the machinery outright while spreading repayments over time.
- Hire Purchase – Make regular payments and gain ownership at the end of the term.
- Finance Lease – Use the machinery immediately, with the option to purchase later.
- Sale & Leaseback – Unlock working capital from existing equipment while continuing to use it.
Did you know?
Some lenders offer low-doc and alt-doc finance, which allows businesses to secure funding without full financial statements. This can be ideal for fast-moving industries or seasonal operators who need quick access to capital.
Explore your options. For more detailed information about these loan types click here.
Why Consider Financing Older Yellow Goods?
Buying older machinery can be a smart, strategic move for growing businesses. It allows you to:
- Reduce upfront costs compared to new equipment
- Avoid long manufacturing or delivery lead times
- Minimise depreciation impact
- Access essential tools even when conserving cash flow
Case Study
Stellify assisted a client in funding a 22-year-old Caterpillar 777D and associated inventory – all approved in just three days. A second transaction followed within five weeks, demonstrating how older assets can be financed quickly and efficiently through the right broker network.
The Role of a Broker in Yellow Goods Finance
Not all lenders deal directly with businesses – in fact, many specialist lenders operate only through brokers. A skilled asset finance broker like Stellify can help by:
- Matching your business with the most suitable lenders
- Structuring applications for faster approvals
- Combining primary, secondary and tertiary assets under one facility
- Navigating low-doc, alt-doc or full-doc finance options
- Providing ongoing support for refinancing or fleet expansion
Did you know?
Specialist lenders often have more flexible criteria than banks – meaning brokers can access funding for a broader range of machinery, vehicles and equipment types, even for older or specialised assets.
Next Steps: Secure Your Yellow Goods Finance
Financing yellow goods doesn’t have to be complicated. By understanding your options, leveraging specialist lenders and working with a trusted broker, your business can:
- Acquire the right machinery for sustainable growth
- Preserve cash flow and working capital
- Access flexible funding for older, secondary or tertiary assets
Contact Stellify to discuss your yellow goods funding needs today.
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