BUSINESS LENDING HUB

Can I Finance a Concrete Pump in Australia?

Can I Finance a Concrete Pump in Australia?

Yes — concrete pumps are regularly financed by lenders across Australia, especially for concreters, builders, and civil contractors. Whether you’re after a trailer-mounted, boom, or line pump, there are multiple lenders who will fund both new and used concrete pumping equipment.

What Types of Concrete Pumps Can Be Financed?

You can apply for finance for:

  • Truck-mounted boom pumps

  • Line/trailer-mounted pumps

  • Static concrete pumps

  • High-pressure shotcrete machines

  • Concrete mixer-pumps (combo units)

Both petrol and diesel models from Australian or imported brands are considered financeable by most asset finance lenders.

Typical Price Ranges

  • Line / trailer-mounted pump: $60,000 – $120,000

  • Truck-mounted boom pump: $180,000 – $400,000+

  • Used concrete pumps: $40,000 – $250,000 depending on age, hours, and condition

Used equipment is often acceptable with a valid invoice, inspection report, and clear PPSR record.

Can You Get Finance with Just an ABN?

Yes, most lenders accept ABN-only applications for concrete pumps — especially if:

  • You’ve been trading for 6+ months

  • The asset is under $150k

  • You can provide bank statements or BAS summaries

Some funders can even approve applications based on strong business activity, without needing full financials.

Can You Finance a Concrete Pump Without GST Registration?

If your loan is under $75,000 and you’re a sole trader or ABN-holder with no GST registration, there are a few specialist lenders who will still assess your application. This is more common for trailer-mounted pumps or older units in the $40k–$70k range.

New to the Industry?

If your ABN is newly registered but you have prior concreting or civil construction experience (e.g. working for another company), some lenders may approve your first asset on projection-based lending.

Used Concrete Pumps and Private Sales

Used concrete pumps can be financed from:

  • Dealers

  • Auctions

  • Private sellers (with invoice and inspection)

Ensure the pump has no existing encumbrance (PPSR clear), is operational, and not too old (usually under 15 years).

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DISCLAIMER

The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.

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All Your Questions Answered

What is a car loan and how does it work?

A car loan is a finance product where a lender provides funds for you to purchase a vehicle, which you repay over time with interest.

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Secured loans use the car as collateral, often leading to lower interest rates. Unsecured loans don’t, but usually have higher rates.

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Most car loans offer terms from 3 to 7 years. Find out what term suits you best.

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Interest is based on the loan amount, term, and rate. Fixed-rate loans have predictable repayments, while variable rates can change.

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Yes, many lenders accept private sellers. You’ll need to provide extra documents.

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Can I apply for a car loan while on probation?

Yes. Many workers are approved during probation.

What credit score do I need as a government employee?

A score of 650+ is ideal, but lower scores may still be considered.

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Yes, especially if you're full-time with strong income.

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Yes, many government departments support novated leasing.

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Yes, it's still possible to get a car loan with no credit history.

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A broker can help restructure your application for better results.

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Use Equifax, Experian, or Illion for a free check.

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Yes, if your income supports both loans. A broker will assess your capacity.

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Typically: ID, payslips, and bank statements.

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Yes, if you’ve worked consistently for 6+ months.

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Most lenders prefer $30,000+ annually, but this varies.

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Yes, most lenders allow used cars under 10 years old.

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Absolutely

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Yes

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Yes. You may even qualify for green car loan discounts.

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Yes you can.

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Yes — ask if there’s an early payout fee.

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Not always.

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1 to 7 years is standard.

How long does approval take?

24–48 hours in most cases

Can I apply online?

Yes — most lenders and brokers accept online applications.

Is a broker better than going direct?

Often, yes. They can compare lenders for you.

Can I get pre-approved?

Yes — and it gives you better negotiating power at the dealership.

What happens after I apply?

Your documents are reviewed, and if approved, the lender issues funds to the seller.

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Yes, in some cases. see finance for visa holders here.

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Yes, but learners may qualify with a co-applicant.

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Yes, joint applications are allowed.

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Yes, in some cases. Your job security is a major advantage.

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Yes — just make sure the seller provides all required documents.

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Yes, but only through select lenders. Ask your broker first.

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Only if you apply to multiple lenders directly. Brokers help protect your score.

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