Excavator finance
Finance your next excavator.
Keep digging.
Excavator finance up to $5M* through our lending network. Mini to 50-tonne, all brands, new and used. New operators can finance from day one against a signed work contract.
*Subject to lender credit criteria.
Get a quote
2 minutes · No credit check · Free
*Subject to lender credit criteria. Funds typically within 24–48 hours of approval.
What we finance
Excavator types
From a compact 1.7-tonne mini for residential work to a 50-tonne crawler for bulk earthmoving — our lending network finances all excavator configurations.
All major brands: Caterpillar, Komatsu, Hitachi, Kobelco, Volvo, Kubota, Yanmar, JCB, Case, Sany, Develon (Doosan), and more.
Mini excavators (1.7t–5t)
Tight-access residential, landscaping, plumbing, pool excavation. Cat, Kubota, Yanmar, Bobcat, JCB.
Midi excavators (5t–14t)
Civil works, subdivision, drainage, commercial demolition. Komatsu, Hitachi, Kobelco, Cat, Volvo, Case.
Large/standard (20t–50t+)
Bulk earthmoving, road construction, dam building, mining services. Cat, Komatsu, Hitachi, Volvo, Liebherr.
Zero/reduced tail-swing
For confined sites — rail corridors, urban civil, roadside works. Available across most manufacturers.
Long-reach excavators
River/canal works, deep excavation, demolition at height. Specialised boom configurations on standard carriers.
Wheeled excavators
Road maintenance, utility works, rapid site-to-site transit without float costs. Liebherr, Doosan, Hyundai.
Demolition-spec
High-reach demolition, sorting/processing, multi-attachment capability. Heavy-duty undercarriage and guarding.
Attachments — bundled or financed separately
Who it's for
Industries we finance excavators for
Excavators are the most versatile machines on-site. Our lending network finances them for operators across every sector that needs to dig, demolish, lift, or move material.
New operators
Finance from startup — day one
You don't need years of financials to finance your first excavator. If you have a signed work-source letter or contract confirming ongoing work, lenders in our network can get you digging.
This is how many owner-operators start — a confirmed contract, a deposit, and a lender who understands that a working machine pays for itself.
What new operators typically need*
Signed work-source letter or contract confirming ongoing work
Deposit of 10–20% (varies by lender and machine value)
Evidence of funds for early running costs (fuel, insurance, servicing, rego)
Active ABN and relevant tickets/licences
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 & high-hour excavators
Both new and used excavators can be financed through our lending network, including private sales. Used machines — especially higher-hour or older units — may carry a slight rate loading compared to new, and the lender will typically require an independent valuation to confirm current market value and remaining useful life. This is standard practice and ensures the finance term doesn't exceed the asset's productive working life.
Eligibility
What you need to apply
Requirements vary by lender and deal structure. Below are typical criteria across our lending network for excavator finance.
*Subject to lender credit criteria.
Process
How it works
Tell us about the excavator
Complete our short form with basic details about your business and the machine you want to finance — make, model, tonnage, new or used, and approximate value.
We match you to a lender
Your enquiry is matched to specialist equipment finance lenders based on the machine, deal size, and your operator profile (new or established).
Receive your options
A specialist contacts you — typically same business day — with available structures, indicative rates, and required documentation.
Settle and start digging
Once approved, funds are paid directly to the vendor or into your account within 24–48 hours. Collect your excavator and get to work.
FAQ
Common questions
Everything you need to know about financing an excavator. Can't find your answer? Apply and a specialist will help directly.
Get a quote →How much can I borrow to finance an excavator?
Excavator finance is available up to $5M through our lending network, subject to lender credit criteria. A 1.7t mini might be $30,000–$80,000; a 14t midi $150,000–$350,000; a 30t+ large machine $300,000–$800,000+. The finance amount is based on the asset value and your business profile.
Do I need a deposit for excavator finance?
For established operators with strong trading history, many lenders offer no-deposit facilities. For new operators or higher-value machines, a deposit of 10–20% is common. This varies by lender and deal structure.
Can a new operator finance their first excavator?
Yes. Many lenders in our network will finance a first excavator for new 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 early running costs (fuel, insurance, servicing). Subject to individual lender credit criteria.
Can I finance a used or high-hour excavator?
Yes. Both new and used excavators can be financed, including private sales. Used machines — especially higher-hour or older units — may carry a rate loading and require an independent valuation to confirm current market value. The lender assesses the remaining useful life against the proposed finance term.
What brands do you finance?
All brands — Caterpillar, Komatsu, Hitachi, Kobelco, Volvo, Kubota, Yanmar, JCB, Case, Sany, Develon (formerly Doosan), Hyundai, 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 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 excavator finance be approved?
Same-day decisions are standard for straightforward applications through our lending network. Funds or direct vendor payment typically within 24–48 hours of approval. Subject to lender credit criteria.
Can I finance attachments with the excavator?
Yes. Buckets, hammers, augers, grabs, GPS systems, tilt hitches, and other attachments can be bundled into the primary excavator finance facility or financed separately depending on value.
Can I finance a private-sale excavator?
Yes. Private sales are accommodated by most lenders in our network. An independent valuation and mechanical inspection are typically required for private-sale transactions, especially on higher-value units.
Is it better to finance or hire an excavator?
It depends on utilisation. If the machine will be working consistently (most weeks of the year), finance typically delivers a lower cost per hour than long-term hire and you build equity in an asset. If work is sporadic or short-term, hire may be more cost-effective. Many operators finance their primary machine and hire additional units for peak periods.
Ready to finance?
Get your excavator earning. Not sitting in someone else's yard.
Two-minute application. No credit check to start. A specialist who understands excavators and earthmoving will be in touch — typically same day.
UP TO $5M*
SAME-DAY DECISIONS*
NEW OPERATORS OK
*Subject to lender credit criteria.