Get the machinery you need financed, purchased and working on site faster and at better interest rates with our specialist lending services.
As experts in financing earthmoving equipment, we completely understand the urgency when loaders, dozers and excavators need replacing or when extra units are required to take on bigger projects. Delays in getting the right machinery can mean loss of income for contractors, and hold-ups in the project schedule.
We support operators to minimise delays in taking delivery of new machines but without compromising on securing cost-effective, affordable financing. Providing individual service to source the best rates from across our 80+ lender base, streamlining and simplifying the application process and delivering fast approvals and prompt settlements.
Our personal approach ensures not only the best rates are secured, but that the earthmoving equipment financing is structured to suit cash flow, ROI targets, and the financial objectives of the operation. If you’re in the market for cost-effective financing for tractors, loaders, backhoes, bulldozers, excavators, skid-steer loaders or wheel loaders, and you need it quickly, contact us for a quick quote.
As experts in the commercial lending sector, we offer customers the complete selection of commercial credit facilities to fund heavy machinery purchases.
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Loans for earthmoving equipment provide a convenient and accessible means of acquiring machinery without having to use cash resources. Funding is available for all types of machines purchased new and used, including skidsteers, all variations of loaders, bulldozers, backhoes and excavators. We provide affordable earthmoving equipment financing for models from all the big names including CASE, Yanmar, CAT, Kobelco, Komatsu and many others.
These types of machines can be essential to a wide range of small and large-scale projects and be owned by a range of business set-ups of various sizes. We provide earthmoving machinery loans for all types of commercial enterprises including sole traders, small contractors, large fleet companies, partnerships, SMEs, and for businesses in the process of setting up a new venture.
Earthmoving machine loans are available with Rent-to-Own, Lease, Commercial Hire Purchase and Chattel Mortgage. All may suit both new and second-hand units, subject to the acceptance of older machines as suitable security by lenders. Many operators will not be required to provide additional collateral. For new and start-up ventures, we have access to specialist lenders to approve Low Doc and No Doc Earthmoving Equipment Loans.
Our brokers can arrange funding for the purchase of the machinery only, or they can structure a cost-effective package which includes any attachments and accessories with the unit. Subject to lender approval, the full purchase price can be included in the funding. Residuals, buybacks and balloons are available and tax deductions apply to all types of commercial asset acquisition financing.
Rates are fixed, terms are fixed up to 7 years, and repayment schedules negotiated to work with individual cash flow projections.
For the best rates on your choice of earthmoving equipment loan type, request a quote.
Whether requiring excavation machines to work on the land, in construction, mining, landscaping, or on large infrastructure projects, our experts assist with cost-effective financing to meet individual objectives. Discuss your earthmoving equipment loan requirements with us today.
Our guides offer quick comparisons and simple explainers to help you cut through the financing process with confidence.
The rates for earthmoving equipment finance can be the key to affordability, productivity gains and the bottom line. Commercial financing rates vary across the lending market and will vary for different operator profiles. Finding the best rates can be time-consuming, delay obtaining funding and ultimately hold up the arrival of those essential machines on site. Potentially causing schedule disruptions and inconvenience for other contractors.
Using our services provides a direct pathway to the most competitive earthmoving equipment finance rates on the market. We have access to over 80 lenders which includes the main banks, finance companies, and most significantly, non-bank lenders that specialise in funding heavy machinery. Our skilled brokers quickly source the best rates from the lender with the approval criteria that best suits the operator.
Our brokers negotiate on terms and conditions, ensuring operators obtain the lowest rates and an earthmoving equipment loan that is individually structured to work with their financial objectives. Targeting ROI, meeting cash flow demands, and in line with the ownership and life cycle of the machine.
A quick comparison of our current best rates with others you may find, should be a clear indication of our capability, skill and determination to achieve the lowest earthmoving equipment rates for our customers.
We provide services to operations across Australia via phone or our convenient online process. To ensure you are getting the best rates, getting individual services and getting your machinery into work quickly, contact us for a quote.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 21/02/2026 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
Business owners can select from Lease, Rent-to-Own, Commercial Hire Purchase and Chattel Mortgage to fund heavy machinery.
The same credit products may be used for all types of heavy machinery. The interest rates vary with the credit products and aspects of a loan offer can vary for individual applicants, subject to lender guidelines.
Contractors with a current ABN can be eligible for commercial credit for heavy machinery.
Where attachments are purchased from the same supplier and at the same time as a heavy machine, the entire purchase price may be included in one funding arrangement. Subject to individual approvals.
Terms on heavy machinery funding can vary with lenders and individual applications. 7 years is a typical term approved by many lenders.
Leasing and Rent-to-Own have tax deductible payments. Commercial Hire Purchase and Chattel Mortgage have tax deductions via depreciation of the heavy machinery.
Applications for commercial funding may be submitted for quoting and approval prior to the actual purchase of the machinery. Details of the machine and an estimate of the amount required will be needed for the application.
Interest rates vary across the lending market and with different credit products. Rates are offered based on the credit check and financials of the applying business.
Heavy machinery loans are typically offered with a fixed interest rate which does not change over the funding term.
Operators take full ownership of heavy machinery under finance when all payments including any balloon, residual or buyback are finalised.
