Mortgage brokers in Norwest, helping the Hills District and Sydney
Machinery finance, RyRo Asset Finance
New or used, dealer, private sale or auction. Rohan Joshi at RyRo Asset Finance compares lenders and structures for your next machine, so the finance fits the work it will do.
5.0 from 13 Google reviews for RyRo Asset Finance
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
Updated November 2026
Machinery finance in Sydney, updated November 2026
Machinery finance is a business loan or lease for plant and equipment, with the machine itself as the security. You pay it off over a set term while the machine earns money, rather than tying up cash or an overdraft in one big purchase.
It suits earthmoving and civil contractors, landscapers, builders, manufacturers and anyone whose income depends on a machine. Across the Hills District and the north west growth corridor out to Box Hill and Marsden Park, that usually means excavators, skid steers and site gear. It is part of our wider asset finance broker service.
Lenders secure the loan against the asset, so a sound, resaleable machine opens more lenders.
Chattel mortgage, finance lease or hire purchase: who owns it, how GST works and what is owed at the end.
Machine age, ABN history and credit rules differ between lenders, which is why a broker compares them.
Quick answer
You choose the machine, a lender pays the seller, and your business repays the lender over an agreed term, often with the machine as security. With a chattel mortgage your business owns the machine from day one; with a lease the lender owns it until the end.
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
What we finance
If it earns income on a site, in a yard or on a factory floor, it can usually be financed. Yellow goods, heavy machinery and the trucks that move them all go through Rohan.
Earthmoving
Excavators from mini to large, skid steers and bobcats, loaders, dozers, graders and rollers.
Mainstream earthmoving machines hold their value and are easy for a lender to resell, so they open the widest choice of lenders. Attachments bought with the machine (buckets, rippers, tilt hitches) can often go on the same loan.
Construction
Cranes, elevated work platforms, compactors, concrete gear and site equipment for builders and civil crews.
Larger or more specialised construction equipment narrows the lender list, and some lenders ask for a deposit or a shorter term. Rohan checks which lenders take the asset before you commit to a quote.
Factory and warehouse
CNC and manufacturing machines, forklifts, packaging lines, compressors and workshop plant.
Factory plant is often bought new from a supplier with installation costs. Ask early whether installation and freight can be included, because lenders treat them differently from the machine itself.
Photo: Charles G / UnsplashMoving the gear
The truck that carries the machine, a plant trailer or a tipper for the spoil, financed alongside it.
Buying a machine and the truck or trailer to move it at the same time? They can be financed together or as separate loans; Rohan sets out both ways.
Tractors and farm machinery, mowers and landscaping gear, generators, lighting towers, pressure cleaning rigs, attachments and tools bought with a machine can often be financed too. Ask Rohan about your asset: lender appetite depends on what it is, its age and how easily it resells.
Buying a work ute or van for the crew as well? See ute and van finance.
Free, no obligation. Rohan reads every enquiry himself.
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
Structure
All three let you put the machine to work now and pay over time. The difference is who owns it, how GST and depreciation are handled, and what happens at the end.
| Chattel mortgage | Finance lease | Hire purchase | |
|---|---|---|---|
| Who owns the machine | Your business, from day one | The lender, during the lease | The lender, until the final payment |
| At the end | Already yours once paid | Buy, return or refinance | Ownership transfers |
| GST | Often claimed upfront if registered | Usually on each payment | Depends on the contract |
| Tax deductions | Depreciation and interest, generally | Lease payments, generally | Depreciation and interest, generally |
| Suits | Owning the machine outright | Upgrading machines regularly | Owning at the end of the term |
General guide only. Tax and GST treatment depends on your business. We recommend consulting your accountant for advice specific to your situation.
Most machinery is bought on a chattel mortgage, but not all. Go deeper on the chattel mortgage for business equipment or the finance lease and hire purchase pages, or read our chattel mortgage guide.
Rohan sets the options side by side.
Repayments
Set to a $95,000 machine with no balloon. Change the price, deposit, term, rate and balloon to see what changes. The example rate is not a quote; Rohan confirms what lenders will offer on your machine.
Estimated repayment per month
$1,957.36
60 monthly repayments paid in advance, no balloon
GST in the price: $8,636
One eleventh of a GST-inclusive price. A GST-registered business may be able to claim GST on a business asset as a credit on its BAS. Whether you can, how much and when depends on your business use and how you account for GST. We recommend consulting your accountant.
Estimate only, not a quote or tax advice. It leaves out fees and charges, and the rate is the one you type in. Your real repayment depends on the lender, the asset and your business.
Figures last checked .
This is an estimate, not financial advice. Results are a guide only. Speak to a broker for accurate figures based on your situation.
Free, no obligation. Your numbers go with your enquiry.
5.013 RyRo Asset Finance reviews
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
Before you apply
Every lender asks some version of the same five things. Knowing which ones are your strong points tells Rohan which lenders to go to first.
How long the ABN has been active and whether you are registered for GST. Two years or more opens the most lenders, but it is not the only path.
Make, model, year, hours or kilometres, serial number and condition, plus the quote or tax invoice. Lenders want security they could resell.
BAS statements and business bank statements, or tax returns and financials for larger loans. Low doc options can use BAS and bank statements instead.
Business and personal credit history for the directors or owner. Past issues are not always the end of it on business finance.
Not always needed. A deposit, trade-in or property in your name can widen the choice for a young ABN or an older machine.
Used machines are financed every day. Expect lenders to look harder at age, hours and the seller, and to search the PPSR for any finance still owing on it. Short on financials? Our low doc loans page explains how BAS and bank statements can stand in.
5.0 from 13 Google reviews for RyRo Asset FinanceRyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
Rohan sends one checklist for your lender.
Sound familiar?
Most operators come to Rohan with one of these. Here is what usually gets in the way, and what we do about it.
The challenge: A new contract starts soon and you need a second excavator or loader on site before the first day.
We go to lenders that read the contract alongside your trading history and line up the paperwork early, so the finance is not the thing holding up the start date.
The challenge: The right machine is a used one from a private seller or an auction, and the dealer finance option is gone.
Rohan finds lenders that finance private and auction sales, tells you what they need (invoice, proof of ownership, a PPSR search, maybe an inspection) and sets your limit before you bid.
The challenge: You have run machines for someone else for years, but your own business is months old and the bank wants two years of tax returns.
We look for lenders that weigh your time in the industry, a deposit or trade-in and the work you have lined up, not only ABN age. Low doc options are on the table too.
The challenge: An old default or a rough patch in the business is on your credit file and the bank said no.
There are lenders who consider past credit issues for business equipment when the rest of the application is strong. Nothing is approved until the lender says so, and we tell you upfront what each one asks for.
These are common situations, not client stories. Every loan depends on your circumstances and the lender's policy, and no approval is assured.
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
How it works
One broker from the first quote to the day the machine is delivered.
Step 1
What it is, the price, new or used, who is selling it and a little about your business. Two minutes on the form.
Step 2
He matches your ABN, trading history, credit and the machine to lenders whose rules already fit, before any application.
Step 3
Chattel mortgage, lease or hire purchase, term and balloon, set out side by side with the full cost.
Step 4
You send only what that lender needs. Rohan prepares and lodges it and keeps you updated.
Step 5
Once approved, the lender pays the dealer or seller and the machine goes to work.
Step 1 takes about two minutes.
Rohan Joshi
Asset finance broker, RyRo Asset Finance, ACR 565295
Who you will deal with
You deal with one person. Rohan reads your details, works out which structure fits, compares lenders and stays with you until the machine is delivered. His clients mention clear explanations, quick answers and simple paperwork in their Google reviews.
RyRo Asset Finance is a separate company from RyRo Loan Centre, in the same Norwest office. If you also need a home loan, Sumit and the Hills District mortgage broker team look after that.
Free, no obligation.
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
Google reviews
Real Google reviews of RyRo Asset Finance, word for word.
5.0
From 13 Google reviews for RyRo Asset Finance
Sumit Garg
a year ago on Google
Rohan been nothing short of excellent for us. Being proactive, professional and keeping things very simple and easy to deal with. Gave us an excellent deal and whole process was easy as. Thank you for being so helpful is getting us over the line in getting the new car
Mark Donovan
a month ago on Google
Rohan provided exceptional service, was communicative and transparent through the entire process. I ended up with a far better deal than I would have got on my own.
Rayen Naidoo
2 months ago on Google
I engaged Ryro Finance to arrange finance for my vehicle, and the experience was excellent. They didn’t just compare car loan options—they took a holistic approach by considering my future financial goals and any upcoming asset purchases to ensure the finance structure suited my long-term plans. They provided valuable advice on the ideal deposit amount, explained the best approach to financing a vehicle, and secured one of the most competitive interest rates available to me. I would highly recommend Ryro Finance, not only for vehicle finance but for any financing requirements. Their personalised advice, professionalism, and long-term financial planning set them apart.
Devansh Dua
a year ago on Google
Rohan really helped us through . Great customer service .
FAQs
Have a question not covered here? Ask Rohan directly or book a free strategy call.
Talk to Rohan
We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us.
Rohan Joshi
Asset finance broker, RyRo Asset Finance
More videos from Rohan
“I have wonderful experience with them they are professional,quick and accurate in terms of loan requirements”
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
