Construction and civil equipment finance
Excavators, cranes, access gear, site trailers and heavy plant — financed on a chattel mortgage that respects how construction cash flow really works.
Construction lives and dies on cash flow between progress claims. We arrange equipment finance for builders, developers and subcontractors so you can resource the job without draining reserves — with a balloon to keep repayments manageable and the right lender for the asset.
Who it's for
Builders, developers, civil and specialist subcontractors.
Add gear as the contracts come in
If you're winning more work, some lenders can set up a facility that lets you draw down on new equipment as contracts are awarded, each on a chattel mortgage. It means you can resource a new job quickly without re-applying from scratch every time the next contract lands.
A balloon bridges the gap between progress claims
Construction cash flow is paid in arrears, so wages, fuel and hire costs go out well before the claim is paid. A balloon (residual) — commonly around 30% — lowers the monthly repayment and keeps reserves available to carry the job to the next payment. At the end of the term you refinance the balloon, pay it out, or upgrade the plant.
Excavators, cranes, access and site assets
Excavators, skid steers, cranes, telehandlers, elevated work platforms, generators, site sheds and relocatable modules are all financeable on a chattel mortgage. Attachments and ancillary gear can usually be wrapped into the same facility as the main machine, so a job's worth of plant sits under one repayment.
Raise cash against plant you already own
If your business owns plant outright, you can often borrow against it — typically up to around 90% of current market value — to fund a deposit on the next machine or to carry payroll between claims. There's also sale-and-buyback within six months of a purchase. These are usually low-doc and a clean way to free up working capital.
Own the plant, claim the GST and depreciation
On a chattel mortgage your business owns the equipment from day one, so you can generally claim the GST input tax credit on the purchase and depreciate it over its working life. For plant that runs hard on site, that's typically a useful deduction. Confirm the detail with your accountant.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Yes — scaffolding, relocatable site modules, elevated work platforms and access equipment hold value and can generally be financed on a chattel mortgage. As always, the right lender depends on the specific asset and your trading history, which we'll match for you.
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Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.