180+ NSW Concreters Financed Since 2019

Concrete Equipment Finance NSW

Pumps, Mixers, Vibrators & Batching Plants. Equipment from $1.2k to $850k. Rates from 6.5% p.a. $20k instant write-off.

48hr
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$1.2k-$850k
Finance Range
6.5-10%
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 Concrete Equipment Finance Options

Concrete Pumps

Line Pumps: Trailer-mounted, 30-80m reach, $85k-$280k. Popular for residential slab pours.
Boom Pumps: Truck-mounted, 20-60m boom, $320k-$850k. Essential for commercial high-rise work.
Popular Brands: Putzmeister, Schwing, Concord, Alliance, Junjin.

Finance Rates: 6.5-9.0% p.a.

Terms: 3-7 years | Deposit: 10-20%

Concrete Mixers

Portable Mixers: 2-9 cu.ft., electric/petrol, $1.8k-$18k. Perfect for small sites.
Trailer Mixers: 3.5-7 cu.ft., diesel, $8.5k-$55k. Mobile batching for medium jobs.
Truck Mixers: 4-12m³ capacity, $180k-$650k. Includes Isuzu/Hino chassis + drum.

Finance Rates: 7.0-10.0% p.a.

Terms: 2-7 years | Deposit: 15-25%

Concrete Vibrators

Internal Vibrators: Pencil/poker vibrators, 25-60mm, $1.2k-$6.5k. Most common type.
External Vibrators: Form vibrators, clamp-on, $2.8k-$12k. For pre-cast panels.
Screed Vibrators: Truss screeds, laser-guided, $3.5k-$18k. Floor slab specialists.

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

Finance Rates: 8.0-11.0% p.a.

Batching Plants

Mobile Plants: 15-30m³/hr capacity, $350k-$850k. Relocatable for large projects.
Stationary Plants: 30-120m³/hr capacity, $850k-$3.5M+. Permanent facility investment.
Includes: Aggregate bins, cement silos, conveyors, control systems, weighing.

Finance Rates: 6.5-8.5% p.a.

Terms: 5-10 years | Deposit: 15-25%

$20,000 Instant Asset Write-Off

The ATO has CONFIRMED extension of the $20,000 instant asset write-off for eligible businesses until 30 June 2025. This applies to most concrete vibrators, portable mixers, and small equipment.

Eligible Concrete Equipment:

Internal Vibrators

$1.2k-$6.5k (all qualify)

External Vibrators

$2.8k-$12k (most qualify)

Portable Mixers

$1.8k-$18k (check per unit)

Screed Vibrators

$3.5k-$18k (most qualify)

Smart Tax Strategy for NSW Concreters:

Buy multiple vibrators under $20k threshold for instant deduction. Example: 3 internal vibrators @ $5.5k each = $16.5k instant write-off. Equipment must be installed and ready for use by 30 June 2025.

Featured NSW Concrete Equipment Deals

Western Sydney

Putzmeister BSF36 Boom Pump - Penrith Concreter

Equipment: 2021 Putzmeister BSF36.16H, 36m boom, Isuzu FXZ chassis

Finance Amount: $485,000 (15% deposit)

Structure: Chattel mortgage, 6 years @ 7.2% p.a.

Monthly Payment: $8,350

Outcome: Pump pays for itself in 18 months. Client now services all major Penrith developments.

Tax Benefit: $146k depreciation in year 1 (30% diminishing value). Saved $44k in tax.

Newcastle

Schwing S32 Line Pump - Hunter Valley Contractor

Equipment: 2023 Schwing S32X, trailer-mounted, 80m reach

Finance Amount: $145,000 (10% deposit, strong credit)

Structure: Finance lease, 5 years @ 6.8% p.a.

Monthly Payment: $2,880

Outcome: 100% tax-deductible lease payments. Client upgraded after 3 years to boom pump.

Tax Benefit: $34.6k annual lease deduction. Saved $10.4k/year in tax.

Central Coast

Concrete Vibrator Fleet - Gosford Concreters

Equipment: 5x internal vibrators ($28k), 2x screed vibrators ($32k)

Finance Amount: $60,000 (bundled equipment package)

Structure: Equipment finance, 3 years @ 8.5% p.a.

Monthly Payment: $1,890

Outcome: No units over $20k threshold. Instant tax deduction claimed for all equipment.

Tax Strategy: Structured purchases to stay under threshold. $60k instant write-off = $18k tax saving.

Wollongong

Mobile Batching Plant - Illawarra Concrete Supplies

Equipment: 30m³/hr mobile plant, aggregate bins, cement silos

Finance Amount: $620,000 (20% deposit)

Structure: Commercial loan, 7 years @ 7.5% p.a.

Monthly Payment: $9,850

Outcome: Supplies 3 major infrastructure projects. ROI achieved in 2.5 years.

Tax Benefit: $124k depreciation year 1 (20% diminishing value). Plus GST input credits.

Sydney CBD

Used Concord Boom Pump - Private Sale Finance

Equipment: 2018 Concord C32, 32m boom, 78,000km, full service history

Finance Amount: $220,000 (25% deposit for used)

Structure: Chattel mortgage, 5 years @ 8.8% p.a.

Monthly Payment: $4,550

Outcome: Ding Financial arranged independent inspection. Saved $150k vs new pump.

Smart Buy: 7-year-old pump with 50% remaining service life. Depreciation still accelerated.

Macarthur

Truck Mixer Fleet - Campbelltown Concrete

Equipment: 3x Hino 700 Series 8m³ mixers, full spec

Finance Amount: $1.35M (package deal, 15% deposit)

Structure: Chattel mortgage, 6 years @ 7.0% p.a.

Monthly Payment: $23,200 (all 3 trucks)

Outcome: Secured 5-year supply contract with major builder. Revenue covers repayments + profit.

Volume Discount: Ding Financial negotiated 3.5% off purchase price. Saved $47k upfront.

7 Cashflow Strategies for NSW Concreters

1. Seasonal Payment Structures

NSW construction peaks winter/spring. Structure higher payments ($12k/month) during busy season, reduced payments ($6k/month) summer. Matches your actual cashflow. Ding Financial builds this into loan from day one.

2. Progressive Drawdown Facilities

Pre-approve $500k equipment facility. Draw down as needed: pump today ($280k), mixers next month ($85k), vibrators later ($35k). Only pay interest on drawn amounts. Gives flexibility as business grows.

3. Bundle Small Equipment for Tax Efficiency

Instead of one $55k mixer, buy three $18k units. Instant $54k write-off vs 5-year depreciation. Same equipment, better tax outcome. Works for vibrators, portable mixers, screeds.

4. Refinance & Upgrade Strategy

Start with line pump ($145k). After 18 months, refinance + gap funding for boom pump ($485k). Line pump trade-in ($95k) offsets new loan. Common growth path. Ding Financial structures it from the start.

5. Truck Mixer Chassis Finance

Finance truck chassis separately from mixer drum. Chassis depreciates slower (prime mover rules). Drum accelerated depreciation. Splits assets for better tax treatment. Requires specialist structuring.

6. Balloon Payments for High-Value Pumps

Lower monthly payments with 20-30% balloon. Example: $485k boom pump, 25% balloon = save $1,850/month. Refinance balloon at end or sell equipment. Only if you have strong cashflow or exit plan.

7. Used Equipment for Lower Deposit

Quality used pumps 5-7 years old save 40-50% vs new. Lower absolute deposit ($45k vs $85k) and monthly payments. Ding Financial arranges independent mechanical inspection. Popular for proven models.

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.

Best Advice from 180+ Concrete Equipment Deals

Premium Brands Hold Value

Putzmeister and Schwing pumps retain 50-60% value after 7 years vs 30-40% for budget brands. Higher upfront cost justified by resale. Lenders prefer these brands (better rates, lower deposits). Service network also stronger in NSW.

Start with Line Pump, Upgrade to Boom

Common path: line pump ($145k) for 12-24 months, build customer base, then refinance + upgrade to boom pump ($485k). Trade-in line pump, add gap funding. Lower risk than starting with expensive boom pump without proven work.

Bundle Multiple Vibrators for Instant Deduction

Buy 3-5 vibrators under $20k each for instant write-off. Total package $50-80k, all deductible year 1. Gives you backup equipment (critical for time-sensitive pours) plus maximum tax benefit. Must be installed by June 30.

Inspect Used Pumps Thoroughly

Used concrete pumps save 40-50% but require expert inspection. Check: hydraulic system (most expensive to repair), boom condition (cracks/wear), engine hours vs age, service history (critical). Ding Financial connects you with independent inspectors. Budget $1,500-$2,500 for thorough inspection.

Truck Mixer Finance Requires Customer Contracts

Lenders want proof of demand for $180k-$650k mixer investment. Provide: customer contracts/LOIs, batching plant agreement (if not your own), delivery territory map, volume projections. Strong case gets better rates. Without contracts, deposit increases to 30%.

Seasonal Payments Match NSW Construction Cycle

NSW residential concrete peaks winter/spring, slows summer. Structure loan with higher payments busy months ($12k), lower off-season ($6k). Same total interest, better cashflow management. Ding Financial builds this in from day one.

Mobile Batching Plants for Large Projects

If you secure multi-year infrastructure contract, mobile batching plant ($350k-$850k) makes sense. Relocate between jobs. Depreciate faster (20-30% p.a.) than stationary plants (10-15%). Requires detailed business case for lender approval. Ding Financial specialists handle these complex deals.

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 earthmoving and excavation 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 a concrete line pump or boom pump?▼
Yes, both line pumps ($85k-$280k) and boom pumps ($320k-$850k) are eligible. Boom pumps qualify for accelerated depreciation due to their commercial use. We finance new and used pumps from brands like Putzmeister, Schwing, Concord, and Alliance. Most approvals within 48 hours for established concreting businesses.
What deposit do I need for a $450k concrete pump?▼
Typically 10-20% deposit ($45k-$90k). Strong trading history can reduce this to 10%. Private sales may require 20-30%. Your deposit includes: equipment costs, setup/training, initial maintenance reserves. Lower deposits available for repeat clients.
Can I claim the $20,000 instant asset write-off for concrete vibrators?▼
Yes, if each vibrator costs less than $20,000 (most do). Eligible: internal vibrators ($1.2k-$6.5k), external vibrators ($2.8k-$12k), screed vibrators ($3.5k-$18k). Buy multiple units under threshold for maximum tax benefit. Asset must be installed and ready for use by June 30.
What concrete mixer sizes can I finance?▼
All sizes from portable to truck-mounted. Portable mixers ($1.8k-$18k), trailer mixers ($8.5k-$55k), truck mixers 4-12m³ ($180k-$650k). Truck mixers often packaged with truck chassis finance. Ding Financial structures deals to maximize tax benefits across multiple equipment purchases.
Do lenders finance concrete batching plants?▼
Yes, specialized commercial lenders finance batching plants ($350k-$3.5M+). Stationary plants qualify for 10-15% building and structures depreciation. Mobile plants depreciate faster at 20-30% p.a. Require detailed business case including customer contracts, site approval, and operational plans.
Can I bundle multiple concrete equipment items into one loan?▼
Absolutely. Most NSW concreters bundle: pump + mixers + vibrators + safety equipment into single facility. Benefits: one monthly payment, simplified administration, volume discounts from suppliers. Ding Financial pre-approves total facility amount, you draw down as needed.
What concrete pump brands do lenders prefer?▼
Lenders favor established brands: Putzmeister (German engineering, best resale), Schwing (reliable, common in Australia), Concord (strong local support), Alliance (budget-friendly). Chinese imports require 25-30% deposit vs 15-20% for premium brands. Age matters: <5 years preferred, 5-10 years requires inspection.
How do seasonal concrete work cycles affect repayments?▼
Structured repayments match NSW construction season. Higher winter/spring payments when busy, reduced summer payments during slower months. Typical: $12k/month peak season, $6k/month off-season. Ding Financial works with your cashflow, not against it.
Can I upgrade from a line pump to a boom pump mid-term?▼
Yes, common growth path. After 12-18 months, refinance existing pump + gap funding for boom pump upgrade. Line pump trade-in value offsets new loan. Total financing: $320k-$850k for boom pump. Requires strong trading history and customer contracts justifying larger equipment.
What documentation do I need for concrete equipment finance?▼
Basic: 2 years business financials, 6 months bank statements, equipment quotes, ABN/ACN verification. Additional for large pumps: customer contracts, site licences, insurance certificates, equipment maintenance history. For new businesses (<2 years): director guarantees, higher deposit (25-30%).
Are concrete vibrators tax deductible?▼
Yes, 100% tax deductible as business tools. Vibrators under $20k: instant write-off. Over $20k (rare): depreciate over 5-8 years. Lease payments also 100% tax deductible. Consult accountant to optimize between purchase vs lease based on your tax position.
Can I finance second-hand concrete pumps from private sellers?▼
Yes, but lender criteria tougher. Pump must: be <10 years old, pass mechanical inspection, have service records, have clear title. Rates higher (8-11% vs 6.5-9% for new). Ding Financial arranges independent inspections. Popular for proven models like Putzmeister BSF36 or Schwing S32.

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Frequently Asked Questions

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