Construction equipment finance
Win the contract. Finance the gear.
Keep the plant moving.
Civil and construction plant finance up to $5M* through our lending network. New operators can finance from day one against a signed work contract — no years of trading required.
*Subject to lender credit criteria.
Get a quote
2 minutes · No credit check · Free
*Subject to lender credit criteria.
What we finance
Civil & construction plant
From a 1.7-tonne mini excavator to a 50-tonne crawler — our lending network covers the full range of construction equipment across all tonnages and configurations.
All major brands financed: Caterpillar, Komatsu, Hitachi, Volvo, Kubota, JCB, Liebherr, Case, Kobelco, Doosan, and more. New and used. Dealer and private sales.
Excavators
Mini excavators (1.7t–5t), midi (5t–14t), large (20t–50t+). All brands including Cat, Komatsu, Hitachi, Kubota, Volvo.
Loaders
Wheel loaders, track loaders, backhoe loaders. From compact to large-frame units across all major manufacturers.
Bobcats & skid steers
Compact track loaders, wheeled skid steers. Bobcat, Cat, Kubota, ASV, Case and more.
Dozers
Crawler dozers (all classes D3–D11), wheel dozers, GPS/machine-control equipped units.
Graders
Motor graders for road construction, civil earthworks, and land levelling. All tonnages.
Tippers & dump trucks
Single-axle tippers, tandem tippers, quad-dog combinations, articulated dump trucks (ADTs).
Cranes
Mobile cranes, crawler cranes, pick-and-carry (franna), tower cranes. All lift capacities.
Telehandlers
Fixed and rotating telehandlers. JCB, Merlo, Manitou, Magni and others.
Rollers & compactors
Smooth drum rollers, padfoot rollers, combination rollers, plate compactors, trench compactors.
Attachments
Buckets, hammers, augers, grabs, tilt hitches, rippers, GPS systems. Often bundled into the primary finance facility.
Structured for construction
Built for civil & construction cash flow
Construction cash flow doesn't look like other industries. Short-notice contract starts, progress-claim payment cycles, seasonal dry/wet weather shutdowns — the revenue pattern is lumpy and project-driven, not steady and monthly.
Lenders in our network understand this. Equipment finance is structured around project pipelines and asset utilisation, not just monthly bank balance averages. If the plant is working and generating revenue, the finance should reflect that.
Progress-claim cycles
Finance structured to accommodate 30–60 day claim and certification payment cycles typical in civil construction.
Short-notice mobilisation
Need to mobilise plant for a new contract next week? Same-day decisions and 24–48 hour settlement means you can respond to opportunity.
Seasonal work patterns
Lenders who understand wet-season shutdowns, year-end slowdowns, and the ramp-up that follows — not penalised for cyclical revenue.
Project pipeline assessment
Assessed on forward work (contracts, tenders, repeat clients) — not just historical bank statements.
New operators
Finance from startup — day one
You don't need years of financials to finance your first excavator, tipper, or loader. If you have a signed work-source letter or contract confirming ongoing work, lenders in our network can get you on-site.
This is how many owner-operators in civil and construction get started — a confirmed contract, a deposit, and the right lender who understands the industry. Our network includes lenders who specialise in exactly this type of deal.
What new operators typically need*
Signed work contract or letter of engagement confirming ongoing work
Deposit of 10–20% (varies by lender and asset value)
Evidence of funds for early running costs (fuel, insurance, maintenance, rego)
Active ABN and relevant plant operator licences/tickets
No full financials required — assessed on the contract and deposit
*Subject to individual lender credit criteria. Requirements vary by lender and deal size.
New & used
Used construction equipment
Both new and used plant can be financed through our lending network, including private sales. Used equipment may carry a slight rate loading compared to new — this reflects the lender's assessment of residual risk and remaining useful life. For higher-value used assets, an independent valuation is typically required to confirm current market value. This is standard practice and protects both you and the lender.
Eligibility
What you need to apply
Requirements vary by lender and deal structure. Below are typical criteria across our network for construction equipment finance.
*Subject to lender credit criteria.
Process
How it works
Tell us what you need
Complete our short form with basic details about your business and the plant you want to finance. No credit check at this stage.
We match you to a lender
Your enquiry is matched to specialist construction equipment lenders based on the asset type, tonnage, deal size, and your operator profile.
Receive your options
A specialist contacts you — typically same business day — with available structures, indicative rates, and next steps.
Settle and get on-site
Once approved, funds are paid directly to the vendor or into your account within 24–48 hours. Collect your plant and start earning.
By machine type
Equipment finance guides
Specialist pages for specific machine categories:
FAQ
Common questions
Everything you need to know about financing construction equipment through our network. Can't find your answer? Apply and a specialist will help directly.
Get a quote →How much can I finance for construction equipment?
Construction equipment finance is available up to $5M through our lending network, subject to lender credit criteria. The amount depends on the asset value, your business profile, and the lender's assessment of serviceability.
Do I need a deposit?
For established operators with strong trading history, many lenders offer no-deposit facilities. For new operators or higher-value plant, a deposit of 10–20% is standard. This varies by lender and deal structure.
Can a new operator finance their first machine?
Yes. Many lenders in our network finance equipment for new civil operators who have a signed work-source letter or contract confirming ongoing work. A deposit of 10–20% typically applies, and the lender may require evidence of funds for initial running costs. Subject to individual lender credit criteria.
Do you finance used construction equipment?
Yes. Both new and used plant can be financed, including private sales. Used equipment may carry a slight rate loading and require an independent valuation depending on the asset's age and value.
What brands do you finance?
All major brands — Caterpillar, Komatsu, Hitachi, Volvo, Kubota, JCB, Liebherr, Case, Kobelco, Doosan, and more. There are no brand restrictions. Finance is assessed on the asset's value and your business profile.
Do I need full financials to apply?
No. For established businesses, lenders in our network typically assess applications based on 3–6 months of bank statements — no full financials required up to certain limits. For new operators, a signed work contract replaces the need for trading history.
How fast can construction equipment finance be arranged?
Same-day decisions are standard for straightforward applications. Funds or direct vendor payment typically occurs within 24–48 hours of approval. Subject to lender credit criteria.
Can I finance attachments separately?
Yes. Buckets, hammers, augers, GPS systems, and other attachments can be bundled into the primary asset facility or financed separately depending on value and lender preference.
Ready to finance?
Get your plant on-site. Start earning sooner.
Two-minute application. No credit check to start. A specialist who understands construction will be in touch — typically same day.
UP TO $5M*
SAME-DAY DECISIONS*
NEW OPERATORS OK
*Subject to lender credit criteria.