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Excavator Finance Australia | Business Finance
We support operators of all sizes and in all industries with funding for excavation machinery, specially structured to target cash flow and ROI objectives. Funding at lower interest rates for compact and paddock diggers for rural properties and residential sites through to the largest track mounted models for heavy duty mining and infrastructure projects. As experts in commercial lending, we have the lender coverage to connect clients with the right lenders and the leverage to negotiate on lower rates and more workable terms and conditions.
This won't affect your credit score
Get the Best Deals with Lower Interest Rates
Compare Lower Interest Rates for Excavator Loans
The basis for structuring cost-effective funding is our capacity and capabilities to secure lower interest rates. With our standing and reputation in the commercial lending sector, we have built-up considerable leverage with key lenders. Rates do vary with the choice of funding product and will vary with different application profiles. When comparing machinery models, use these rates and contact us for an exact quote to proceed with your purchase.
| Loan Product | Interest Rate | Monthly Repayment |
| {{Loan Product}} | {{From - Advertised Rate}} {{Rate Type}} |
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 19/02/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 19/02/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Expert Assistance for Excavator Finance
Get Access to Experts for Loans for Excavator
Whether you’ve been operating for a long time or are a brand new sole trader, you might be well aware of the challenges that can come with sourcing funding for major assets such as diggers, loaders and other earthmoving machines. Finding lenders that understand your industry, that know what a digger, finding which lender is offering the lowest rates, meeting lender criteria and finding the time to do it all.
As experts in commercial lending and in our role as your broker, we overcome those challenges for you. We know which lenders will make the most suitable offers for your industry, for your profile and for the particular machinery. First, we listen to what you are seeking to achieve with the machinery purchase – ROI, repayments to work with cash flow, improved productivity – so we fully understand the parameters and specifications required in the funding. By handling the entire process – connecting with the right lenders, negotiating the lowest rates, working with lenders to achieve the terms that will deliver the preferred repayment schedule, we ensure our clients receive a workable outcome with efficiency and professionalism.
The heavy machinery sector is one of our key markets and our team prioritise remaining current with latest asset acquisition tax rulings to ensure we continue to deliver positive outcomes for clients. We are an Australian company with brokers based in country and provide expert services to all areas including the most remote sites. No referral is required to access expert lending services to ensure your machinery acquisition delivers as targeted.
- Specialists in earthmoving machinery funding for agricultural, landscaping, building, construction, mining and infrastructure clients.
- Australian based, owned, operated.
- 20+ years of experience in commercial lending.
- Current with asset acquisition tax rulings.
- Targeted solutions to meet ROI expectations, work with cash flow.
- Member FBAA, Licensed Credit Provider.
Best Excavator Finance Deals with Specialist Lenders
How to Connect with Specialists Excavator Finance Lenders
Connecting with the right lender can be critical to achieving a cost-effective and workable funding offer. Through our connections with over 80 lenders including the big banks and non-bank lenders, our clients have access to lenders that specialise in certain industries, fund key types of machinery and approve applications from new and self-employed contractors.
Access that facilitates mor workable, more cost-effective and more targeted funding solutions for the full selection of earthmoving machinery.
- 80+ Lender base – banks, non-bank lenders, specialist broker-only contacts.
- Specialist lenders for earthmoving and excavation machinery.
- Australia-wide services – all states and territories including remote and regional locations.
Explore Excavator's Potential with Versatile Financing Options
Finance for Excavators with Full Selection of Loan Types
Different commercial entities with varying accounting practices and strategies necessitate different types of funding facilities. We provide the full selection of asset acquisition credit products with options for varying tax strategies, off-balance sheet approaches and to suit both the cash and the accruals methods of accounting.
The same funding facilities can be used for both new and used machinery acquisitions and are available with lower fixed interest rates, fixed terms, balloon and residual options and workable repayment schedules. If additional attachments for the digger are required, speak with us about how work to include that cost in the same machine funding.
- Chattel Mortgage Excavator Finance
- Excavator Leasing
- Rent-to-Own Excavator Loans
- Commercial Hire Purchase Excavator Finance
- Tax optimised Loans for Excavators
- Excavator Loans with fixed rates and fixed repayment schedules.
- Terms up to 7 years on Excavator Finance
- New and Used Excavator Finance
- One machine or entire fleet of excavators
Customised Excavating Business for Contractors and SMEs
Excavator Loan Solutions for Large Contractors, SMEs, Sole Traders, Self-employed, No Financials
Our services are available to all types of commercial entities that need to purchase earthmoving machinery. We offer options for new operators setting up as a sole trader, owner-operator, for family enterprise, ABN holders and applicants that do not have all the financials or are missing other details to meet lender criteria.
- No Doc and Low Doc Excavator Loans
- Excavator Loans Without Financials
- Excavator Finance for Start-ups
- ABN Loans for Excavators
- Sole Trader Excavator Loans
Get Affordable Excavator Loans for All Brands and Types of Machines
We provide funding for all types of earthmoving and digging machinery from all leading brands, both new and used. Our services are available for operators in the agri sector, mining, construction, residential building, civil works, landscaping and other sectors requiring diggers.
- Excavator finance for compact, mini and track loaders.
- Track mounted Excavator Finance for heavy duty operations.
- Paddock excavator finance for landscapers and rural property owners.
- Loans for backhoes, skidsteers, loaders and dozers.
- Digger and trailer combination finance packages
- Financing for Kobelco, Yanmar, Kubota, Hitachi, CAT, CASE, Komatsu, Volvo and more.
- Loans for new and used excavators purchased privately, from a dealer and at auction.
Buying at Field day or Auction? Get Fast Pre-Approved Excavator Loans
To be confident to bid at auctions and to maximise field day opportunities to place order, speak with us about getting approved ahead of the event. Last minute requests may be handled with approvals within 24 hours.
FAQs
Excavator Finance
Operators can select from Chattel Mortgage, Leasing, CHP and Rent-to-Own to fund machine purchases. The most suitable option is the one that best matches the entity structure, balance sheet approach, accounting methods and commercial objectives.
The interest rates vary with different credit facilities. The rates offered to individual entities can vary as the offer will depend on the lender assessment of the application.
When purchasing attachments with a digger, operators may request that both expenses be included in the one loan. This is subject to individual lender approval guidelines.
Terms of up to 7 years can be achieved for machinery funding.
The tax deductions vary with the type of credit. CHP and Chattel Mortgage provide tax deductions through depreciation of the machinery. Rent-to-Own and Lease have tax deductible repayments.
Where a sole trader has full financials and meets the criteria in regard to turnover, trading time etc, they can be approved for funding under the standard application form and procedures. Where all the criteria is not met, they may seek lenders that offer no doc and low doc options.
An online calculator can be used to work out estimated repayments for different machines and with varying terms and loan amounts.
Yes. Applications for funding can be approved prior to purchase and based on an estimated amount required. The offer or quote would be amended when the specific details are known after purchase.
No. Commercial funding products have a fixed interest rate which remains unchanged over the complete credit term.
Commercial credit products allow for the machinery to be the security for the funding. With some applications the lender may request additional collateral be provided by way of property or other assets.
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Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
