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Get Competitive Rates & Fast Approvals on Earthmoving Equipment Loans

Get the machinery you need financed, purchased and working on site faster and at better interest rates with our specialist lending services.

  • Low earthmoving equipment loan interest rates
  • Credit score not impacted
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Why Jade Finance?

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The easy application process provides you with comprehensive information. Make a fully informed decision on your equipment loan.

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Equipment Loan Specialist

With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
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Fast, Affordable Financing for Your Earthmoving Equipment Needs

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.

An excavator lowers a bucket load of dirt into a tipper truck on a construction site

Select the Earthmoving Equipment Loan to Suit Your Business Objectives

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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All Types of Machines

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.

Small to Large Enterprise

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.

Flexible Types of Finance

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.

The Jade Difference

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.

Manage Cash Flow

Rates are fixed, terms are fixed up to 7 years, and repayment schedules negotiated to work with individual cash flow projections.

Get Started

For the best rates on your choice of earthmoving equipment loan type, request a quote.

  • Earthmoving Equipment Lease, CHP, Chattel Mortgage, Rent-to-Own.
  • Low Doc No Doc Earthmoving Equipment Loans.
  • Fixed best rates, fixed terms up to 7 years.
  • Cash flow optimised fixed repayment schedules.
  • Residual, balloon, buyback available.
  • No deposit earthmoving machinery loans.

Financing for Earthmoving Equipment Overview

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.

  • Earthmoving equipment loans for loaders, bulldozers, excavators, backhoes, skidsteers.
  • Affordable financing for leading makes – CASE, CAT, Kobelco, and more.
  • Cost-effective earthmoving machinery finance for all business set-ups.
A large skid steer dozer parked on a construction site

Equipment finance guides and resources

Our guides offer quick comparisons and simple explainers to help you cut through the financing process with confidence.

Get Competitive Earthmoving Equipment Loan Interest Rates from 80+ Lenders

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.

  • Specialist brokers in earthmoving equipment financing.
  • Individual, personalised service for customised solution.
  • Best interest rates on earthmoving equipment loans from 80+ lenders.
  • Specialist heavy machinery non-bank lenders available.

Quickly Estimate Loans with Earthmoving Equipment Finance Calculator

Astute operators will want some idea of their loan commitments prior to buying a unit and before applying for funding. Others may be wanting to compare funding on different models from different manufacturers or compare new with second-hand earthmoving equipment loans.

No special skills are required to get estimates and make comparisons with our earthmoving equipment loan calculator. Use when and where you choose, from an online connected device. Simply type in the values you are seeking for funding on the machines being considered, and our current rate for your choice of credit product. This rate may not be the rate you are offered but can be used for the purposes of obtaining estimates. This tool instantly calculates monthly repayments based on the values entered.

Vary the values to compare models, consider your options, and arrive at a loan structure that works with your cash flow and objectives.

Contact us for a quote based on your profile and with the best rate sourced from across our large lender panel.

  • Quick estimates with earthmoving equipment loan calculator.
  • Get repayment estimates before committing to a purchase.
  • Set preferences, prepare budgets, plan major equipment investments.
A big wheeled loader driving across freshly moved soil on an earthworks site.

Personal Service for Fast Earthmoving Equipment Financing Approvals

We assign a broker to each customer from the first contact with Jade Finance. Providing customers with individual attention for fast approvals and settlement. Your broker will check your eligibility for commercial financing and advise the documentation that our lender requires for your application.

Applicants must currently hold and ABN and provide identification as minimum requirements. Credit ratings are checked by lenders and can be a key contributor to being offered the best rates. Financials on the operation are required including tax returns, annual accounts, and similar credentials.

Where a new or start-up operator does not have all the documentation, your Jade broker will source quotes and approval as a low doc or no doc applicant. Operators requiring no doc loans should be prepared with details of their personal financials as part of the application process.

We process applications quickly with many operators receiving approval news within 24 hours. We then assist with settlement to speed up the delivery of your machinery. Our application process is smooth and straightforward and designed to suit operators that want the best rates, best earthmoving equipment loans, quickly and without a lot of hassle.

If buying at auction or at a field day, speak with us about our pre-approved earthmoving equipment loan service. Apply today via our online systems or just give us a call.

  • Smooth, straightforward application process.
  • Fast 24 hour approvals.
  • Assistance with settlement to expedite machinery delivery.
  • Online and phone loan application service.
Close view of an excavator bucket beginning to dig in dirt, with the bucket teeth just breaking through the surface.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 05/12/2024 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.

We work harder to secure the best rates.

Earthmoving Equipment Finance FAQs

  • 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.