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Construction Equipment Finance NSW

Compactors, Concrete Saws, Brick Saws, Breakers & Site Equipment. From $1.8k to $35k. Rates from 7.5% p.a.

48hr
Approval
$1.8k-$35k
Finance Range
7.5-11%
p.a. Rates
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Last Updated: 8 December 2025 | Written & Reviewed by: Ding Financial Team (Australian Credit Licence 222640)

Important Tax & Financial Disclaimer

General Information Only: The information provided on this page is for general guidance purposes only and should not be considered as professional tax, legal, or financial advice.

Seek Professional Advice: You must seek professional advice from a qualified accountant, tax advisor, or financial planner regarding your individual tax circumstances, strategies, and current regulations before making any financial decisions.

ATO Requirements: For official information about tax deductions, instant asset write-offs, depreciation schedules, and current ATO requirements, always cross-reference with the Australian Taxation Office website:

Instant Asset Write-OffDepreciation GuideATO Business Portal

Tax laws and regulations are subject to change. Always verify current requirements with the ATO and consult with professional advisors before making equipment finance decisions.

NSW Construction Equipment Finance Options

Plate Compactors

Light Compactors: 60-100kg, petrol, $1.8k-$4.5k. Paving, footpaths, landscaping.
Medium Compactors: 150-300kg, petrol/diesel, $4.5k-$9.5k. General site work, driveways.
Reversible Compactors: 200-800kg, diesel, $6.5k-$18k. Trenches, confined areas.
Popular Brands: Wacker Neuson, Mikasa, Multiquip, Weber, Dynapac.

$20k Instant Write-Off: Yes (most models)

Finance Rates: 7.5-10.0% p.a.

Concrete Saws

Hand-Held Saws: 12-16" blade, petrol/electric, $3.5k-$8.5k. Expansion joints, wall cuts.
Walk-Behind Saws: 14-20" blade, petrol/diesel, $6.5k-$18k. Slabs, roadwork, kerbing.
Floor Saws: 20-36" blade, diesel, $12k-$35k. Deep cuts, commercial slabs.
Popular Brands: Husqvarna, Stihl, Partner, Clipper, Norton.

Finance Rates: 7.5-10.0% p.a.

Terms: 2-5 years | Deposit: 20-25%

Brick & Block Saws

Table Saws: 14-20" blade, electric, $2.5k-$8.5k. Bricklaying, block work, pavers.
Bridge Saws: 24-48" blade, electric/3-phase, $8.5k-$18k. Stone cutting, benchtops.
Portable Saws: 12-16" blade, electric, $1.8k-$4.5k. On-site cutting, tight access.
Popular Brands: Husqvarna, Clipper, Pearl, Raimondi, Cedima.

$20k Instant Write-Off: Yes (all models)

Finance Rates: 8.0-11.0% p.a.

Breakers & Site Equipment

Electric Breakers: 40-65 joules, cord/battery, $2.8k-$8.5k. Demolition, chipping.
Pneumatic Breakers: 50-90 joules, air-powered, $3.5k-$12k. Heavy concrete removal.
Portable Generators: 3-10 kVA, petrol/diesel, $2.5k-$18k. Site power, tools.
Popular Brands: Bosch, Makita, Hilti, Wacker, Atlas Copco.

$20k Instant Write-Off: Yes (most models)

Finance Rates: 8.0-11.0% p.a.

Instant Asset Write-Off Calculator

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* Calculations are estimates based on standard depreciation rates. Consult with a qualified accountant for personalized advice. Interest rate assumed at 7.5% p.a. for illustration purposes.

Official ATO $20,000 Instant Asset Write-Off

Based on official Australian Taxation Office guidance - current for 2024-26 financial years

ATO Approved
2024-25 ✓ Law
2025-26 ⚠ Announced

$20,000 Instant Asset Write-Off

Official ATO instant asset write-off for eligible construction tools and equipment

Eligibility Requirements

  • •Business aggregated turnover less than $10 million
  • •Asset cost less than $20,000 (ex GST if registered)
  • •First used or installed ready for use 1 July 2024 – 30 June 2025 (law) | 1 July 2025 – 30 June 2026 (announced)*
  • •Using simplified depreciation rules
  • •Both new and second-hand assets qualify

How It Works

  • •Per-asset basis: Write off multiple assets under $20k each
  • •Immediate deduction: Claim full business portion in year of purchase
  • •GST treatment: Exclude GST if registered, include if not
  • •Business use only: Only claim business portion (not private use)

Assets $20,000 or More

If your asset costs $20,000 or more, it goes into the small business simplified depreciation pool:

  • • 15% deduction in the first year
  • • 30% deduction each subsequent year
  • • If pool balance falls below $20,000, write off the entire balance

Important Exclusions & Limits

Car Limit (2024-25):

Passenger vehicles limited to $69,674 for depreciation purposes (excludes motorcycles and disability-modified vehicles)

Excluded Assets:
  • • Assets leased out (>50% of time)
  • • R&D assets (special rules apply)
  • • Capital works & buildings
  • • Horticultural plants

Practical Example

Purchase: Computer for $6,800 (80% business use)

Instant Write-Off: $5,440 (80% of $6,800) in the year of purchase

Total cost ($6,800) is below $20,000 threshold ✓
Business can claim $5,440 deduction immediately, not spread over multiple years

View official ATO guidance on instant asset write-off

* Legislative Status: The $20,000 instant asset write-off for 2024-25 (1 July 2024 to 30 June 2025) is confirmed law. The extension for 2025-26 (1 July 2025 to 30 June 2026) has been announced by the government but is not yet legislated. While the government has committed to this extension, it requires parliamentary passage before becoming law.

Important: This information is based on ATO guidance current as of December 2024. Tax laws change regularly. Consult a registered tax agent or accountant to ensure your specific situation qualifies for the instant asset write-off. Record keeping requirements apply.

Frequently Asked Questions

Can I finance plate compactors and rollers for site preparation?▼
Yes, all compaction equipment is financeable. Plate compactors 60-500kg ($1.8k-$12k), reversible compactors 200-800kg ($4.5k-$18k), trench rollers 400-1200kg ($6.5k-$28k). Most qualify for $20k instant asset write-off. Approvals within 48 hours for established builders.
What deposit do I need for a $25k concrete saw package?▼
Typically 20-25% deposit ($5k-$6.3k). Strong trading history can reduce to 18%. Your deposit includes: saw unit, diamond blades, water tanks, safety equipment. Lower deposits for builders with ongoing project pipeline.
Can I claim the $20,000 instant asset write-off for construction equipment?▼
Yes, MOST construction equipment qualifies. Eligible: all plate compactors ($1.8k-$18k), most concrete saws ($3.5k-$18k), all brick saws ($2.5k-$18k), most breakers ($2.8k-$18k). Buy multiple units under threshold for maximum tax benefit. Asset must be installed by June 30.
What concrete saw sizes can I finance?▼
All sizes from hand-held to floor saws. Hand-held saws 12-16" ($3.5k-$8.5k), walk-behind saws 14-20" ($6.5k-$18k), floor saws 20-36" ($12k-$35k). Diesel models cost 30-40% more than electric. Ding Financial structures deals to bundle saw + blades + accessories.
Do lenders finance brick and block saws?▼
Yes, masonry saws are highly financeable. Table saws 14-20" ($2.5k-$8.5k), bridge saws 24-48" ($8.5k-$18k). Most qualify for instant write-off. Popular brands: Husqvarna, Stihl, Clipper, Partner. Essential for bricklayers, blocklayers, stonemasons.
Can I bundle multiple construction tools into one loan?▼
Absolutely. Most NSW builders bundle: compactor + concrete saw + breaker + generator + small tools into single facility. Benefits: one monthly payment, simplified administration, package pricing. Ding Financial pre-approves total facility ($30k-$80k typical).
What compactor brands do lenders prefer?▼
Lenders favor established brands: Wacker Neuson (German engineering), Mikasa (Japanese quality), Multiquip (strong support), Weber (Australian favorite). Chinese imports require 30% deposit vs 20% for premium brands. Age matters: new preferred, <3 years acceptable with maintenance records.
How do construction contracts affect equipment finance rates?▼
Strong project pipeline improves terms. Multi-dwelling contracts ($2M+ value) get best rates (7.5-9.0% p.a., 18% deposit). Residential spec builds require higher deposit (25-30%). Ding Financial reviews project schedule to structure repayments around cashflow.
Can I upgrade from hand-held to walk-behind saw mid-term?▼
Yes, common upgrade path. After 12-18 months with hand-held saw, refinance existing equipment + gap funding for walk-behind or floor saw. Hand-held trade-in ($2k-$4k) offsets new loan. Total financing: $12k-$35k for larger saw.
What documentation do I need for construction equipment finance?▼
Basic: 2 years business financials, 6 months bank statements, equipment quotes, ABN/ACN verification, builder licence. Additional for larger packages: project contracts, insurance certificates, site access permits. For new builders (<2 years): director guarantees, higher deposit (25-30%).
Are compactors and saws tax deductible?▼
Yes, 100% tax deductible as essential business tools. Under $20k: instant write-off (most construction equipment qualifies). Over $20k: depreciate over 5-8 years. Lease payments also 100% tax deductible. Consult accountant for optimal structure.
Can I finance second-hand construction equipment from private sellers?▼
Yes, but criteria are strict. Equipment must: be <5 years old, pass operational test, have service records, clear title. Rates higher (10-13% vs 7.5-10% for new). Ding Financial can arrange inspections ($200-$400). Popular for proven brands like Wacker or Husqvarna.

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