Your next machine. From CHF 0 down — decided in 24 hours.
Leasing and loans for excavators, loaders, mini-excavators and attachments. Through Swiss bank and leasing partners. We bundle machine, transport and financing into one contract — so you dig tomorrow, not in six weeks.
- Decision in 24 hours
- From CHF 0 down payment
- 100% tax-deductible
- Swiss partners, DE/FR/IT
You have the contract. The bank has been reviewing for 3 weeks. We don't work that way.
Every day without the right machine costs CHF 1,500 to CHF 4,000 in lost margin. Classic bank loans take 4–8 weeks. By then the contract is gone — or you rent at three times the rate. We solve exactly this problem.
What will my machine cost per month?
Move the sliders. See instantly how down payment, term and residual affect your monthly rate. No email required.
- Realistic market rates for Swiss SMEs
- Down payment 0 – 40%
- Term 24 – 84 months
- Configurable residual / balloon
Leasing calculator
Indicative monthly rate in under 10 seconds — no credit check, no login.
CHF 18'000
CHF 12'000
Non-binding estimate. Real terms depend on credit, asset and partner. Not regulated financial advice.
From first click to keys — in 4 steps
Transparent process. No surprises.
Pick the machine
Choose from our vetted inventory or send us an external listing — we finance either way.
Upload documents
Registry extract, 2 years of accounts, VAT statement, ID. Via our secure portal — 5 minutes.
Decision in 24 h
We pull quotes from up to 6 partners in parallel and send you the best terms.
Sign & start working
Sign digitally. We coordinate payout, transport and handover — anywhere in Switzerland.
Lease vs. buy — the honest answer
We earn on the machine sale, not on financing. So we tell you openly when leasing doesn't make sense.
Swiss finance partners we work with
Banks, independent leasing companies and SME specialists — curated for construction equipment.
Swiss cantonal banks
Solid terms for established SMEs with positive accounts.
Specialist leasing houses
Fast decisions, flexible with construction firms that have seasonal revenue.
SME credit fintechs
Digital, blazing fast — ideal for younger firms and purchases under CHF 150,000.
Partner logos available on request. TerraMachinery is not a lender itself — we act as an independent broker.
"Sent the request Friday, the CAT 320 was on our site near Aarau by Tuesday. The bank would have taken 5 weeks. With TerraMachinery: 4 days. That call saved the tunnel contract."
— M. Brunner, Managing Director, civil engineering, Aargau
Financing FAQ
Who can apply for financing?+
Swiss SMEs, sole proprietorships, GmbH and AG companies registered in Switzerland or Liechtenstein. Start-ups from year one are eligible with additional collateral.
What terms and rates are typical?+
Lease terms from 24 to 84 months. Down payment 0–30%, residual 0–30%. Indicative rates 3.9%–6.9% p.a. depending on credit profile, asset and tenure.
How fast can I get the machine on site?+
With complete documents: credit decision in 24 hours, payout in 2–5 business days, nationwide delivery 3–10 days from clearance.
Which documents are required?+
Commercial registry extract, two years of financial statements, current VAT statement, ID of the signatory, and the asset documentation (listing or quote). That's it.
Lease or buy — which is better?+
Leasing protects cash flow, is 100% tax-deductible as an operating expense (operating lease) and shields you from depreciation risk. Buying is cheaper over total useful life but ties up capital. We model both scenarios for your machine.
What happens at the end of the lease?+
Three options: pay the balloon and take ownership, return the machine, or trade in through TerraMachinery and upgrade to a newer model.
Tell us the machine. We'll deliver the rate.
Reply within 2 hours during business hours. Binding quote no later than the next business day.
TerraMachinery acts as a broker, not a lender. Binding terms are set by the finance partner. This page is not regulated financial advice.