Compaction roller finance for civil and roadworks contractors
Smooth drum, padfoot and multi-tyred rollers — financed on a chattel mortgage built around your project cash flow.
A compaction roller earns steadily across subdivisions, roadworks and civil projects, and owning one instead of hiring builds equity in a machine you already need on every job. Financing keeps your cash for wages and materials, and a balloon can keep the monthly repayment manageable between progress claims. New or used, smooth drum, padfoot or multi-tyred — we can usually fund it.
Who it's for
Civil contractors, road construction crews and earthmoving operators running compaction fleets.
A balloon bridges the gap between progress claims
Civil and roadworks contracts are usually paid on progress claims, so the cash often lands weeks after 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 roller.
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, roller finance can frequently be arranged with no tax returns, BAS or bank statements. We'll tell you honestly whether low-doc or a full submission gets you the better outcome.
Buying second-hand or private sale? We check the title
Used rollers from a dealer or auction are usually the simplest purchase. A private sale typically means a PPSR title check and a quick inspection of hours and drum condition before you hand over funds, which we can arrange as part of the finance process.
Get pre-approved before the roller comes up
Good rollers move quickly, 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 once you've found the machine.
Own the roller, claim the GST and depreciation
On a chattel mortgage your business owns the roller 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 so the structure is set up to favour you.
Own a roller outright? Raise capital against it
If you already own a compaction roller, 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 and higher-hour smooth drum, padfoot and multi-tyred rollers are part of what we do. Dealer and auction purchases are most straightforward; private sales need a PPSR title check and a quick 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.