Excavator and earthmoving finance, structured for civil work
Mini-diggers, excavators, loaders and attachments — financed on a chattel mortgage built around your project cash flow.
Owning your plant instead of renting builds equity in an asset that's earning on every job. Finance the machine, keep your cash for wages and consumables, and use a balloon to keep the monthly repayment manageable between progress claims. New or used — we can usually fund it.
Who it's for
Civil contractors, subcontractors, builders, landscapers and quarry operators.
Wrap buckets and attachments into the one facility
Augers, hydraulic breakers, tilt rotators and quick-hitches can usually be included in the same chattel mortgage as the machine, so you're not paying out of pocket for the kit that makes it useful — one asset, one repayment.
Get pre-approved before the gear comes up
Good used machines move fast, especially at auction. A pre-approval means you can act on the day and negotiate as a cash-equivalent buyer rather than waiting on a bank. If you're bidding, sort the finance first.
Own a machine outright? Raise capital against it
If you already own an excavator, you can often borrow against it — typically up to around 90% of its current market value — to free up working capital for the next job or the next machine. There's also sale-and-buyback within six months of a purchase. It's a clean way to put idle equity back to work, and these deals are usually low-doc.
A balloon bridges the gap between progress claims
Civil work is paid in arrears on progress claims, so the cash often lands weeks after the wages and fuel go out. A balloon (residual) — commonly around 30% — lowers your monthly repayment and keeps reserves available to carry the job until the claim is paid. At term's end you refinance the balloon, pay it out, or upgrade the machine.
Established ABN and property often means no financials
If your ABN has been active for 2+ years, you're GST registered and a director owns property, excavator finance can frequently be arranged with no tax returns, BAS or bank statements — often into six figures. That's well within range for a mid-size digger and attachments. We'll tell you honestly whether low-doc or a full submission gets you the sharper outcome.
Own the machine, claim the GST and depreciation
On a chattel mortgage your business owns the excavator from day one, so you can generally claim the GST input tax credit on the purchase and depreciate the machine over its working life. For plant that runs hard on site, that's typically a useful deduction. Confirm the detail with your accountant — the structure is set up to favour you.
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 — used and higher-hour machines are part of what we do, including older units. Buying from a dealer or auction is most straightforward; private sales need a quick inspection and title (PPSR) check, which we handle. The machine's hours and condition shape which lender fits and the available term.
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.