Fast Earthmoving Equipment Loans – All Machines, All Operators
Spend more time working in and on your business and less time finding funding to purchase new machinery. Whatever your set-up – new or long-running, whatever machinery you are acquiring – small bobcats or large wheeled excavators, we provide a fast and easy track to cheaper funding. Handling the complex task of covering off the vast and diverse commercial lending market to find the most suitable lender and the cheapest quote. If you’re in civil works, construction, mining, groundworks, property management, landscaping or any other sector, request a quote now and get back to your work while we do ours.
Compare Rates for Financing Earthmoving Equipment
Interest rates on machinery funding vary with different credit products, for operators with different profiles and can vary across industries and types of machinery. Requesting a quote based on your individual requirements will confirm your rate. If in the process of preparing a purchasing budget or comparing machines, use our current cheap rates as a guide.
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How We Make It Easier to Get Earthmoving Equipment Finance
As specialists in machinery lending, we have the resources, technology, lender connections, experience and expertise to make the process of acquiring credit easier for our customers. Our experience extends to over 25 years in the sector and our lenders number well over 60.
We utilise the latest technology to support the sharp expertise of our team to quickly match the right lender with each customer. The right lender can make a huge difference to the interest rate and overall credit quote. The right lender will understand your industry, appreciate your individual business set-up and be best placed to make the best offer.
We understand the need for urgency with many machinery purchases. The excavation gear may be needed to replace a unit which is unworkable. To add to a fleet to undertake a larger scale contract. For new owner-operator businesses, the machine itself may be essential to actually getting the operation off the ground. Our fast service enables operators to get their credit arranged and the machines purchased and working as quickly as possible.
Australian-based and owned, we are easily contactable via our convenient online services by operators in even the most remote parts of the country. Request a quote, submit an application and enjoy how much easier securing affordable machinery credit can be.
- Fast Earthmoving Equipment Finance services.
- Australia-wide operation – all states, territories and locations.
- Specialist civil works equipment financing.
- The right lenders for each customer – 60+ lenders.

Full Selection of Earthmoving Equipment Finance
Our fast service does not mean compromising on quality service, expertise or credit product options. We have the full selection of asset acquisition funding products available. These products vary in interest rates, tax deductions, accounting method suitability, ownership of the machine during the credit terms, treatment of GST and balance sheet approach. Operators can refer to their accountant to ensure the most suitable option is selected.
Our quotes will include a fixed interest rate which remains unchanged over the fixed term. Balloon and residual options are available, and the repayments are fixed.
- Chattel Mortgage Earthmoving Equipment Finance
- Leasing Earthmoving Equipment
- Earthmoving Equipment Commercial Hire Purchase Financing
- Rent-to-Own Earthmoving Equipment Loan
- Fixed interest rates, Fixed monthly repayments.
- Fixed terms up to 84 months

Specialist Earthmoving Equipment Loans – Sole Trader, Start-ups, Owner-Operators
Not all operators can meet the criteria for approval as set by some lenders in the commercial market. Primarily this is due to having below the minimum level of turnover, being new or starting up and not having sufficient financials or having traded for less than 12-24 months. As the excavation and construction sector can attract many sole traders and owner-operators, this can affect many when applying for machinery funding.
But not all lenders have the same criteria. We have lenders that offer specialist options for new operators, small businesses and those without financials. Affordable rates and cost-effective outcomes can be achieved. Simply upload your details for our fast response on what we can source to meet your requirements.
- Earthmoving equipment financing new business.
- Self-employed Earthmoving Equipment loans.
- Low Docs & No Docs Earthmoving Equipment Loans.
- ABN Loans for Earthmoving Equipment.
Request an Earthmoving Equipment Financing Quote Now!
If you need that machine working in your business quickly or you just don’t want to spend your time trying to find the cheapest credit offer, use our service and expertise. Request a quote or submit an application by simply uploading the required details.
Easily Obtain Financing Earthmoving Equipment – All Machines, All Brands, New and Used
Buyers of all types of machines, new and used, can utilise our easier, faster way to cheaper funding. We work for customers in all sectors that require this type of machinery – agriculture, farming, forestry, constructions, civil works, landscaping, mining and property management.
If planning to order at an auction or field day, submit your application prior to the date to have funding approved so you’re ready to go.
- Financing loaders, dozers, skidsteers.
- Track loader, wheeled loader, roller, leveller, backhoe loans
- Earthmoving equipment finance for heavy-duty and compact machines.
- Used earthmoving equipment loans.
- Loans for all leading brands – Yanmar, CASE, Komatsu, Volvo, Kobelco, Caterpillar, Sumitomo and many more.
- Pre-approved earthmoving equipment loans for auction and field day purchases.
Frequently Asked Questions
Earthmoving Equipment Financing
What are the credit options for financing earthmoving equipment?
Buyers of heavy equipment can select from Rent-to-Own, Leasing, CHP and Chattel Mortgage for financing.
Is the earthmoving equipment loan interest rate the same for all machines?
Interest rates on heavy duty equipment vary with the choice of credit products, the details in the application and may vary across industries. The machine is taken into account in the application process with rate variations predominantly due to the age and condition rather than the type of machine.
I want to set up as a dozer owner-operator in civil works. Can I get approved for a loan?
Operators that are setting up a new business typically do not have full financials or documentation. To source low doc and no docs options, operators may work through a broker or identify lenders offering these types of options.
I want to set up as a dozer owner-operator in civil works. Can I get approved for a loan?
CHP and Chattel Mortgage are the two credit products that include a balloon as an option. This is the percentage of the loan amount which is due for payment in full after the final repayment is finalised.
Are earthmoving equipment loan repayments tax deductible?
Repayments on Rent-to-Own and Leasing contracts are a tax deduction. CHP and Chattel Mortgage repayments are not full deductible, only the interest portion is a deduction. Tax deductions on these two options are received when the machine is depreciated in the annual accounts and tax return.
Will the interest rate on my earthmoving equipment loan change over the finance term?
No. Asset acquisition funding is typically secured with a fixed rate of interest which does not change over the funding period.
Can I get an idea of loan repayments on earthmoving equipment before applying?
Buyers can use an online credit calculator to obtain rough repayment estimates.
I want to order a new dozer at a field day. Can I get equipment finance sorted before hand?
Yes. Machine funding applications can be approved prior to selection or purchase of machinery.
How many years will I have to repay an earthmoving equipment loan?
84 months or 7 years is a typical term for heavy duty equipment funding.
What security will I need to provide to get an earthmoving equipment loan?
Lenders typically accept the machinery as suitable security against commercial funding. Some applicants may need to provide additional security subject to lender approval criteria.