Used machines,
serious finance.
Used equipment often represents the best value per dollar of earning capacity. TMF structures used-asset finance across private sales, dealer stock, and imports.
What used finance covers.
Used equipment finance in Australia typically covers assets up to 10–15 years old at application, depending on category, condition, and hours. TMF arranges used finance for trucks, excavators, dozers, graders, loaders, and specialty plant through lenders who understand that a well-maintained used machine can deliver better return than a new one. Inspection, valuation, and service history documentation are the keys to clean approval.
Where the deal comes from changes the conversation.
Dealer used stock
Dealer-traded used with verified service history. Typically the cleanest approval pathway.
Private sales
Operator-to-operator sales. We handle the paperwork, inspection coordination, and lender communication.
Imported used
Imported late-model used plant from specialist sources. Requires proper import documentation and valuation.
Categories we finance new or used.
Used finance questions.
How old can used equipment be to finance?+
Most lenders on the TMF panel finance used equipment up to 10–15 years old at application — varies by asset category and lender appetite. Older assets can sometimes be financed on shorter terms.
Can used equipment be financed if bought privately?+
Yes — TMF arranges private-sale finance routinely. We coordinate inspection, valuation, PPSR title checks, and lender documentation.
Are used asset finance rates higher?+
Typically 0.5–2 percentage points higher than new for comparable structures, depending on asset age and condition. The lower purchase price often more than offsets the rate difference.
What about imported used equipment?+
Imported used heavy plant is a core TMF specialty. Requires proper import documentation, an Australian valuation, and a lender comfortable with imports — several panel lenders actively want this work.