BUSINESS LENDING HUB

Can I Get Finance for a Portable Conveyor System in Australia?

Can a Portable Conveyor System Be Financed in Australia?

Yes — portable conveyor systems are an eligible asset class under construction and earthmoving equipment finance in Australia. Whether you’re in civil works, demolition, landscaping, mining support, or bulk material handling, a mobile conveyor can be financed as part of your business operations.

Lenders see these systems as revenue-generating and site-critical, making them viable under both standard and low doc loan options.

Typical Cost of a Portable Conveyor System

Pricing varies depending on size, power source, and load capacity:

  • Compact site conveyors (3–6m): $10,000 – $25,000

  • Mid-sized units (6–12m): $25,000 – $45,000

  • Heavy-duty mobile systems (15m+): $45,000 – $90,000+

  • Tracked mobile stacking conveyors: $100,000 – $180,000

Brands in Australia include Easikit, Coveya, Telestack, Striker, and Thor Global.

Do I Need Full Financials to Apply?

Not necessarily. If your total finance amount is under $150,000, and the conveyor is being bought through a supplier or dealer, you may be eligible for low doc equipment finance.

That means you may only need:

  • An active ABN

  • Proof of business trading (bank statements)

  • A quote or invoice from the supplier

Can I Finance a Used Conveyor System?

Yes — many lenders allow finance for used conveyor systems, especially if they’re from a dealer or auction house with proper documentation.

For private sales, lenders may ask for:

  • Photos of the unit

  • Serial number or VIN (if applicable)

  • An inspection or condition report

What Loan Types Are Available?

You can access:

  • Chattel Mortgage – great for claiming GST and depreciation

  • Rental/Operating Lease – suitable for short-term or upgrade cycles

  • Commercial Hire Purchase – where you own the equipment at the end

Do I Need to Be GST Registered?

If your loan is under $75,000, some lenders may approve the finance without requiring GST registration. But for conveyor systems above this threshold, you’ll likely need to show GST registration for approval.

Fast Approval Options for Busy Operators

Most construction and civil businesses can’t afford long approval delays. If your ABN is over 12 months old and you have active trading, you can often get a conditional approval within 24 hours.

Start your application now and find out what you're eligible for.

👉 Check your eligibility here

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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.

What’s the difference between secured and unsecured car loans?

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

What loan terms are available for car finance?

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

How is interest calculated on a car loan?

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.

Do government employees get lower interest rates on car loans?

Yes — many lenders offer better rates due to your stable income. Explore finance options for government employees.

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.

Can I get car finance with a novated lease?

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.

What if I’ve been declined elsewhere?

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.

Can casual workers get car loans?

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

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Yes. Consider a low-doc loan.

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Yes, when paired with PAYG income.

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

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Yes, especially if it’s government-backed.

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

Can I get a loan for an SUV or family car?

Absolutely

Can I finance a caravan or motorbike?

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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It’s a lump sum due at the end of the loan term.

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Yes, many lenders allow this without penalty.

Can I pay off the loan early?

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

Is there a deposit required?

Not always.

What loan terms are available?

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.

Can I get a loan with a visa?

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

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

Can I apply with someone else?

Yes, joint applications are allowed.

Can I refinance my current car loan?

Yes — it can lower your repayments or get you a better rate.

Can I trade in my old car as a deposit?

Yes, many lenders accept trade-ins toward the deposit.

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

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Yes — consistency in income matters more than job location.

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Yes, especially if you’re returning to work. Here’s how.

Can I use car finance to buy interstate?

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

Can I finance a car from an auction?

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

Will applying hurt my credit score?

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

Can I get a car loan if I’ve been bankrupt before?

Yes — see bad credit car loan options.

What if I want to upgrade my car before the loan ends?

You can sell the car, pay off the loan early, or refinance.