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Earthmoving Equipment Loans | Business Finance
We provide all types of operators – large, SME, sole traders, with specialist lending services to open access to achieve lower interest rates and higher results when financing heavy machinery acquisitions. We are experts in commercial lending with sharp brokers that source and structure funding specifically to meet client targets of ROI, cash flow and productivity. No referral is required. Just one call is all that is needed to have our team do the heavy lifting for your civil works, groundworks, construction, excavation and mining machinery financing.
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Competitive Rates
Compare Earthmoving Equipment Loan Interest Rates
The bedrock of solid funding solutions is lower interest rates. Through our leverage in the commercial lending market, we have a proven record of achieving lower rates across our portfolio. To start preparing budgets for your acquisition, use these current rates as a guide and/or contact us for a specific rate and quote based on your stipulations, requirements and targets.
| Loan Product | Interest Rate | Monthly Repayment |
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Disclaimer: This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 12/12/2024 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 12/12/2024 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.
Fast Approval and Loan Calculation
Buying at Auction or Field Day? Calculate Earthmoving Equipment Financing
Use our calculator work up loan structure and estimates for budgeting and apply for approval prior to purchase when buying at auction or ordering at a field day.
This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Streamline Equipment Financing with Industry Experts
Get Experts to Handle Specialist Loans for Earthmoving Equipment
We are experts in our field with specialist experience and lender connections in handling funding for heavy construction machinery. Our clients appreciate how we alleviate their load by handling not only the groundwork – connecting then with the right lender and negotiating the lowest rates, but building on that base by structuring terms and balloons that work for their cash flow. The topping out phase is then completed with our assistance with the settlement.
Construction, excavation and civil works machinery lending is one of our main markets and we have the lenders, the experience and the expertise to achieve higher results for clients. Over 20+ years operating in this market, we have built a strong client base and leverage within this specialist area of commercial lending. Leverage we capitalise on to secure lower rates and workable outcomes for our clients.
As an Australian owned, operated and based company, we know the local operating environment, we know the latest tax benefits for asset acquisitions and we know company financials. Get to know how we can use that know-how to assist you with target-driven funding to achieve your objectives on funding for loaders, dozers, excavators, skidsteers and other machinery, new and used from leading manufacturers.
- Specialists in construction, mining, civil works machinery lending.
- Australian owned, operated and based.
- Highly skilled, qualified, credentialled brokers.
- 20+ years of commercial lending experience.
- Member FBAA, Licensed Credit Provider under ASIC.
- Current tax and corporate financial intel.
Wide Range of Lenders
Access 80+ Lenders incl Specialist Earthmoving Equipment Finance
Interest rates, application criteria, funding conditions, terms approved and other guidelines vary across the commercial lending sector. These variations are the opportunities we capitalise on to identify what lenders are best suited to our clients and which are offering the best rates and terms at any particular time.
Having access to a greater lending market with our 80+ lenders, augmented with our smart tech systems, means more opportunities for our clients to achieve the lower rates, terms and conditions they need to achieve their productivity, efficiency and profitability goals. Our lenders include the major banks and yes, we will handle negotiations with your bank on your behalf if that is your preference.
We also have broker-exclusive non-bank lenders that specialise in heavy machinery financing and can be extremely flexible and accommodating. Whether you’re purchasing a new or used CAT, CASE, Kubota or other brand, we have the lenders that know these brands and know the difference between a loader, a dozer and a skidsteer! Insights which can contribute to a lending offer that better suits the machine, the client and their objectives.
- Key construction and earthmoving equipment lenders.
- 80+ Lenders – banks and non-bank.
- Services available Australia-wide.
Explore Diverse Financing Options
All Types of Finance for Earthmoving Equipment
We provide a complete selection of funding products to suit the objectives, balance sheet strategy and tax approach of all types of companies and commercial operations. Our tax-optimised solutions include fixed interest rates, fixed terms, negotiated balloons, residuals and buybacks and are available for both new and used models.
- Chattel Mortgage Finance for Earthmoving Equipment
- Earthmoving Equipment Lease
- Rent-to-Own Earthmoving Equipment Loans
- Commercial Hire Purchase for Earthmoving Equipment
- Tax-optimised Loans for Earthmoving Equipment
- Fixed rates, fixed terms up to 7 years, fixed repayment structure
- Balloon, residual, buyback options negotiated
- Loans for one machine, finance for an entire fleet
Tailored Loan Solutions for Operators of All Sizes
Earthmoving Equipment Finance Solutions for All Operators
Our vast lender coverage and specialist expertise enables us to source workable machine finance for all types of operator set-ups. Whether starting out as an owner-operator to capitalise on key infrastructure work, operating on construction sites as an ABN holder, don’t have full financials or have credit issues, we offer services to assist with funding.
- No Financials Loans for Earthmoving Equipment
- Low Doc and No Doc Earthmoving Equipment Loans
- Start-up Finance for Earthmoving Equipment
- ABN Loans for Earthmoving Equipment
- Earthmoving Equipment Loans for Sole Trader, Self-employed, SME
Secure Loans for All Machinery Brands Across Australia
Get Earthmoving Equipment Loans for all Brands and Machinery, Australia-wide
Our products and services are available to operators across civil works, construction, mining, infrastructure, industrial works, land management, forestry and agriculture. Don’t forget to consider the attachments and accessories so we can include them in the financing package.
- Loans for skidsteers, loaders, dozers, excavators.
- Finance for wheeled loaders, tracked loaders, backhoes, rollers, levellers.
- Financing for compact and heavy duty models
- Financing machines from all brands – CASE, Caterpillar, Kobelco, Komatsu, Sumitomo, Yanmar, Volvo and others.
- New and used, dealer, private and auction purchases.
FAQs
Earthmoving Equipment Loans
Buyers of heavy machinery can select from Chattel Mortgage, Lease, Rent-to-Own and Commercial Hire Purchase to fund their purchase. The products vary with interest rates, balance sheet approach, tax benefits and compatibility with cash and accruals methods of accounting.
Interest rates on machinery funding vary with the types of credit products and with the specifics of an application. The rates advertised by lenders refer to new machines and applications with good credit. Rate offers are subject to lender approval. Requesting a quote will provide a confirmed rate.
Sole traders can apply for Chattel Mortgage, Lease, Rent-to-Own and Commercial Hire Purchase funding. Where a sole trader has been trading for a reasonable timeframe, has all financials and meets lender criteria they should be eligible. Where they do not meet all criteria, they may seek lenders and brokers that offer options such as Low Doc funding.
To fully complete a commercial lending application, operators are required to provide financials which would include a tax return for the operation. Where an operator has been trading for a financial year, over 12 months, they would be expected to have lodged a tax return. Where this and other financials are not available, lenders may approve the application based on turnover. Alternatively, operators may look to lenders and brokers offering low doc options.
The repayments for Lease and Rent to Own are treated as tax deductions by the ATO. Repayments for Chattel Mortgage and CHP are not fully deductible. Only the interest portion is. These credit products provide a tax deduction through depreciation.
Purchasers of used machinery can select from the same credit products as applicable for new machinery. The interest rates can be different for used models. Lenders will assess the age and condition of the machine when approving terms and applying any conditions.
Buyers can use an online calculator to obtain rough estimates of repayments prior to purchase.
Yes. Pre-approved funding is available. Buyers can apply for and get approved for funding based on a estimated amount and with an indication of the machinery to be purchased. Details are finalised in the funding when the purchase is confirmed.
New start-up operators without the full financials required for commercial credit applications may seek out brokers and lenders that provide no financials credit products. These are known as Low Doc and No Doc options.
Many applicants will not need to provide extra security additional to the machinery being financed. The machinery is accepted as security by lenders with many applications. Where a lender does require additional collateral, it may be offered by way of property and other assets owned by the operation or the owner.
Our Lenders
Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
