Dozer finance for civil, mining services and land clearing
D5 to D8 class bulldozers, blades, rippers and GPS grade control — financed on terms built around how the work gets paid.
A dozer is a big commitment, but it earns from the first day it's pushing dirt. We structure the finance so the repayment fits the way mining services and civil contracts actually pay — staged, in arrears, and sometimes lumpy. New or used, standard blade or GPS-ready — we can usually fund it.
Who it's for
Civil contractors, land clearing operators, mining services contractors and earthmoving subcontractors.
A balloon matched to mining and civil contract cycles
Dozer work often runs on staged mining services or civil contracts paid weeks after the job starts. A balloon (residual) can lower the monthly repayment so cash stays available for fuel, survey costs and crew wages between payments. At the end of term you can refinance the balloon, pay it out, or move up to a bigger class of dozer.
An established operation can usually skip the financials
If your ABN has been active for a couple of years, you're GST registered and a director owns property, dozer finance can often be arranged without tax returns or BAS, frequently into six figures — usually enough to cover a mid-size dozer with blade and ripper. We'll tell you honestly whether low-doc or a full submission suits your file better.
Own it from day one, claim what applies
On a chattel mortgage your business owns the dozer from settlement, so you can generally claim the GST input tax credit on the purchase and depreciate the machine over its working life. Confirm the specifics, including how it interacts with any existing plant, with your accountant before you commit.
Buying secondhand? We check the title before you do
Used dozers move through dealers, auctions and private sales, and higher-hour machines are financeable in most cases. On a private sale we run a PPSR check to confirm the machine is free of finance or other encumbrance before money changes hands, so you're not caught out by someone else's debt attached to the asset.
Get pre-approved before you bid
Good dozers — especially D6 to D8 class with GPS-ready blades — don't sit on the yard long. A pre-approval sets your limit before the auction or private sale, so you can move on the day as a cash-equivalent buyer instead of waiting on a decision.
Blades, rippers and GPS grade control in one facility
Semi-U blades, single and multi-shank rippers, and GPS or machine-control systems can usually be wrapped into the same chattel mortgage as the dozer, so the gear that makes it productive on site isn't a separate out-of-pocket cost.
Talk to a specialist
Get the right rate and the right structure for your next asset. No pressure to proceed, 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 the right rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Your rate depends 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. Used dozers through dealers or auctions are straightforward to finance, and higher-hour machines are usually still fundable — the hours and undercarriage condition shape which lender fits and the term available. Private sales need a quick PPSR title check, which we handle for you.
Explore more finance
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.