Yellow Metal Asset Finance
Flexible Finance for Heavy Equipment Across South Africa
TOSOG offers tailored Yellow Metal Asset Finance solutions designed to help businesses acquire the equipment they need – without straining cash flow or limiting operational flexibility. Our approach goes beyond standard lending by structuring finance packages that align with your project timelines, revenue cycles, and growth strategy.
Whether you’re investing in new, good used, or reconditioned machines, we ensure that your financing solution is practical, sustainable, and built around real-world site demands. From single asset purchases to full fleet expansions, TOSOG supports businesses at every stage – from startup contractors to established operators scaling their footprint.
We work closely with a network of trusted finance partners to deliver fast, compliant, and competitive funding solutions, ensuring minimal delays between approval and equipment deployment. Our team manages the process end-to-end – starting with the correct equipment specification and quotation, through to application structuring, lender engagement, and final approval.
Our finance solutions are ideal for a wide range of industries, including:
- Construction – enabling contractors to secure excavators, loaders, graders, and TLBs for projects of any scale
- Mining & Quarrying – supporting capital-intensive equipment needs with structured finance options
- Logistics & Transport – assisting with material handling and heavy-duty equipment acquisition
- Plant Hire & Rental Businesses – helping you grow your fleet and increase revenue-generating assets
With TOSOG, you’re not just accessing finance – you’re partnering with a team that understands equipment, industry demands, and how to structure deals that work in practice. We focus on reducing approval friction, improving success rates, and ensuring that your equipment starts working for you as quickly as possible.
What We Finance
- Excavators
- Wheel Loaders
- Dozers
- Graders
- TLBs
- Crushers & Screening Equipment
- Yellow plant machinery of all types
✔ New Equipment
✔ Good Used Machines
✔ Reconditioned (Recon) Units
Finance Requirements
To apply for equipment finance through TOSOG, you will need:
- 6 months healthy banking statements (company)
- Latest financials + previous 2 years
- Completed application form
- Official quotation from TOSOG
- Copy of contract (minimum 2 years)
- Deposit: 15% – 20% of equipment value
Eligibility Criteria
- Finance is available to South African registered companies
- Businesses must be actively operating within South Africa
- Foreign-owned companies registered in South Africa are welcome
Why Choose TOSOG?
- Industry-focused finance expertise
- Fast turnaround times
- Access to trusted lenders
- Support from quotation to approval
- Nationwide service across South Africa
We don’t just finance equipment – we help you secure the right asset and structure the deal correctly from the start.
Pro Tips for Approval (Improve Your Chances)
1. Keep Banking Clean
Avoid unpaid debit orders and irregular cash flow patterns in your statements.
2. Strong Contracts Help
Having a minimum 2-year contract significantly strengthens your application.
3. Deposit Matters
A higher deposit (closer to 20%) can improve approval odds and lower repayments.
4. Financials Must Be Up-to-Date
Ensure your financial statements are current and professionally prepared.
5. Match Equipment to Business Activity
Finance providers prefer assets that directly align with your operations.
How the Process Works
- Request a quotation from TOSOG
- Submit required documents
- Application is assessed by finance partners
- Approval and deal structuring
- Delivery of equipment
Frequently Asked Questions (FAQ)
1. Can I finance used equipment?
Yes. We finance new, good used, and recon machines.
2. How long does approval take?
Typically 3 – 7 working days, depending on document readiness.
3. What deposit is required?
A 15% – 20% deposit is standard.
4. Do I need a contract?
Yes, preferably a minimum 2-year contract to support repayment ability.
5. Can foreign nationals apply?
Yes, as long as the business is registered in South Africa and operates locally.
6. What industries do you support?
Construction, mining, transport, plant hire, and related sectors.
Get Started Today
Ready to finance your next machine?