Achieve Greater Efficiency with our Fast Excavator Loans
The majority of digger and earthmoving machinery owners and operators focus intently on efficiency and continually achieving greater productivity. Getting as much work as possible done in the minimum time. Making our fast funding service an ideal match when they need funding to purchase new machines. Whether you’re just starting a new operation, you’ve been in the sector for a long time, small or large-scale operation, all operators can take advantage of our expertise and resources to obtain a fast result for new machine funding.
Compare Our Cheaper Rates for Financing Excavators
Keeping outgoings to a minimum is key to achieving a better return on investments and contributing to greater efficiency. With earthmoving machinery finance, that starts with the cheapest interest rate. We deliver cheaper rates across the full selection of credit options. Rates will vary with the specifics of each application but our current rates can be used for initial planning and comparing models and manufacturers. For the rate we can secure for you, simply request a quote.
Loan Product | Interest Rate | Monthly Repayment |
{{Loan Product}} | {{From - Advertised Rate}} {{Rate Type}} |
${{Payment Amount}} Monthly |
Making Your Excavator Finance Easier is Our Business
With more than 25 years of experience in commercial lending in Australia, we have not only the connections and expertise required to secure cheaper funding but also an extensive and invaluable understanding of what Australian businesses want and need. Particularly that they want the cheapest rate credit and need a fast and efficient means of obtaining it.
As the market for machinery funding can be vast, we offer efficiency and speed by covering off on more than 60 leading lenders when sourcing quotes. An extensive lender base that includes the major banks, other banks and non-bank lenders including specialist heavy machinery lenders. By covering off on this many lenders, we ensure the right lender and the cheapest rates are secured.
Lenders have varying criteria and offer varying rates to different applicants. Linking with the lender that coordinates with an individual customer’s specifications can be significant to any offer made. Whether upgrading machines to more fuel efficient models, replacing obsolete stock or purchasing machines to start a new business, owners from across Australia can use our services to quickly secure funding.
- Commercial lending specialists – 25+ years of experience.
- 60+ lender base including expert excavator loan lenders.
- Services available to all operators across Australia.

Complete Portfolio of Excavator Loan Products
Using our fast and efficient funding service does not mean having to make compromises on financial acumen and expertise or in having a choice of funding products. We provide a complete portfolio of commercial funding options so operators can select the one that will work best for their set-up.
Commercial credit products have a number of variations. Some suit the operations that use the cash method of accounting, others the accruals method. The approach to tax deductions, GST and balance sheet varies and different interest rates apply. Discussing the options with an accountant is advised.
With each option we ensure the interest rate is fixed, as is the credit term. Residual and balloons are optional and a fixed schedule of repayments applies. The same products apply for both new and used earthmoving equipment.
- Chattel Mortgage Excavator Finance
- Excavator Leasing
- Commercial Hire Purchase Excavator Finance
- Rent-to-Own Excavator Loans
- Fixed terms, up to 7 year
- Fixed interest rate
- New and Used Excavator Loans

Excavator Loans for Start-Up, Sole Trader, Without Financials
Anyone who has started their own business knows how difficult it can be to acquire credit for machinery. Not meeting the criteria in regard to trading period, figures or financials, can potentially spell the end to the operation. Not when sourcing funding through us.
We know that earthmoving equipment offers an ideal opportunity for new operators to set-up as self-employed enterprises. Creating strong demand for funding without financials. To cater for this demand, we have lenders that provide applicable credit options.
To apply for earthmoving machinery credit without financials, simply upload your details and our experts will handle sourcing a suitable quote.
- Excavator loan without financials.
- New business excavator finance.
- No Doc and Low Doc Excavator Loans.
- Sole trader, ABN and self-employed excavator loans.
Request an Excavator Loan Quote Now!
To get your machinery purchased and operating faster, use our efficient and fast funding service. Request a quote to get started.
Excavator Loans at Cheaper Rates for All Types of Machines – New and Used
With an extensive selection of diggers, bulldozers, crawlers, back hoes and other earthmoving machines on the market, buyers can be assured that we obtain funding for all brands, both new and used. Funding is available for operators in construction, agriculture and farming, mining and resources, forestry and land clearing, civil works, gardening and landscaping and other sectors.
When ordering at a field day or heading to an auction to purchase, applications can be submitted and approved ahead of the purchase.
- Compact, track and mini loader excavator finance.
- Heavy duty track-mounted excavator loans.
- Backhoe, bobcat, skidsteer, dozer finance.
- Komatsu, Kobelco, Volvo, Yanmar, Kubtoa, CAT, Hitachi and other brands.
- Pre-approved excavator loans for auction and field day purchasers.
Frequently Asked Questions
Excavator Financing
Is Rent-to-Own available for excavator finance?
Yes. Rent-to-Own is one of several credit products available to fund earthmoving machines. The others are Lease, Chattel Mortgage and Commercial Hire Purchase.
What interest rate can I expect on an excavator loan?
Interest rates are offered after a lender assessment of the individual application. Rates can vary with lenders displaying their best possible rates.
I need finance for a skidsteer to set up my own business. How can I get approved?
New businesses without financials may seek no doc funding options through non-bank specialist lenders and brokers.
Is GST added to excavator loan repayments?
GST is included on Lease and Rent-to-Own payments and can be claimed on the relevant BAS return. With CHP and Chattel Mortgage, GST is not charged to the repayments as the full GST on the purchase is claimed on the BAS return following purchase.
What are the tax benefits of excavator finance?
All commercial lending products have tax benefits. With Chattel Mortgage and CHP a benefit is realised through depreciation of the machine. With Rent-to-Own and Leasing the repayments are a tax deduction.
Will my excavator loan repayments change over the financing term?
Where a fixed interest rate is arranged on commercial funding over a fixed term, the repayments would not change over the term.
I worked out excavator loan repayments on a lender calculator but the quote is higher.
A lender calculator does not have the functionality to allow for differences in users which may result in different rates. These types of calculators also do not allow for lender charges. Offers can differ from calculator results.
Can I get an excavator loan approved ahead of attending a field day?
Yes. Funding applications can be approved prior to purchase.
What financing terms can be approved for an excavator loan?
The term approved on commercial funding is subject to the lender assessment of the application. 7 year terms are typical for heavy machinery.
Is security with other property required for an excavator loan?
Commercial credit products for assets typically accept the goods for security. Whether or not additional security is required is subject to lender approval.