Motor grader finance for civil, roadworks and mining services
Motor graders — financed on a chattel mortgage built around contract and council work cycles.
A motor grader is a serious investment, and owning one instead of hiring builds equity in a machine that's earning across roadworks, subdivisions and mining-services contracts. Financing keeps your cash for crews and consumables, and a balloon can keep the monthly repayment aligned to contract milestones. New or used — we can usually structure it.
Who it's for
Civil contractors, road construction crews, council-approved contractors and mining-services operators.
Wrap rippers and blade kits into the one facility
Rear rippers, additional moldboards and specialised blade kits can usually be included in the same chattel mortgage as the grader, so the gear that adapts it to different jobs isn't a separate out-of-pocket cost.
Get pre-approved before the grader comes up
Well-maintained graders don't sit on the market long, and good units at auction move fast. A pre-approval tells you your limit up front, so you can negotiate as a cash-equivalent buyer instead of waiting on a bank once you've found the machine.
Structure repayments around contract milestones
Roadworks and civil contracts are usually paid on progress claims or milestones, so cash can land weeks after the work is done. A balloon (residual) — commonly around 30% — lowers the monthly repayment and keeps reserves available until the claim is paid. At term's end you refinance, 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, grader finance can frequently be arranged with no tax returns, BAS or bank statements — often into six figures, which is well within range for a mid-size grader. We'll tell you honestly whether low-doc or a full submission gets the sharper outcome.
Own the grader, claim the GST and depreciation
On a chattel mortgage your business owns the grader from day one, so you can generally claim the GST input tax credit on the purchase and depreciate the machine over its working life. Confirm the detail with your accountant — the structure is set up to favour you.
Own a grader outright? Raise capital against it
If you already own a grader, you can often borrow against it — typically up to around 90% of its current market value — to free up working capital for the next machine or the next contract. These deals are usually low-doc.
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 graders, including imports, are part of what we do. Dealer and auction purchases are the most straightforward path; private sales need a PPSR title check and a condition review, which we handle.
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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.