Construction Equipment Finance from 4.99% p.a.

Finance for Every Type of Construction Equipment

Australia's construction industry relies on a vast range of specialised equipment. Whether you are a sole trader with a mini excavator or a civil contractor running a fleet of 50-tonne machines, having the right equipment is essential for winning contracts, meeting deadlines, and running a profitable operation.

We finance the full spectrum of construction equipment including excavators from 1.5 tonne mini machines to 50+ tonne units for major earthworks; wheel loaders and skid steer loaders for material handling; bulldozers and graders for site preparation; cranes including mobile, tower, and crawler configurations; concrete equipment including pumps, mixers, and batch plants; and specialised attachments including rock breakers, augers, and tilt buckets.

Our lender panel includes specialists who understand construction equipment values, depreciation rates, and the unique cash flow patterns of the building and civil contracting industries. This means faster approvals, better rates, and finance terms that align with how your business operates.

New vs Used Construction Equipment Finance

Both new and used construction equipment can be financed through our panel. New equipment from authorised dealers typically attracts the best rates and longest terms because the value is well-established and manufacturer warranties provide additional security for the lender.

Used construction equipment finance is where our broker expertise adds the most value. Not all lenders will finance used equipment, and those that do have varying age limits, condition requirements, and pricing policies. We know which lenders offer the best terms for used Cat excavators, which are most competitive for older Komatsu loaders, and which will finance private sale equipment without a dealer invoice.

For construction businesses, used equipment often represents the best value for money. A 3 to 5-year-old excavator may cost 40% to 60% less than new but still have decades of working life remaining. The finance savings on the lower purchase price can then fund additional equipment or working capital for your business.

Construction Industry Finance Considerations

Construction businesses have unique characteristics that affect equipment finance. Contract-based income means revenue can be lumpy, with significant payments followed by quiet periods between projects. Seasonal factors in some regions also affect work volumes and cash flow.

Our specialist construction equipment lenders understand these patterns and structure finance accordingly. Options include seasonal repayment schedules that align with your work patterns, balloon payments that match your equipment replacement cycle, and flexible terms that account for the construction industry's natural cash flow variations.

For builders and civil contractors tendering on new projects, having equipment finance pre-approved allows you to commit to contract timelines with confidence. We can provide pre-approval letters that demonstrate your capacity to acquire the required equipment, strengthening your tender submissions.

Financing Attachments and Accessories

Construction equipment often requires specialised attachments that can add significantly to the total cost. Buckets, rock breakers, augers, tilt hitches, and other accessories can be included in your equipment finance package rather than being a separate cash expense.

We can structure finance to include the base machine plus all required attachments in a single facility. This simplifies your administration, ensures consistent tax treatment, and allows you to spread the full setup cost over the finance term rather than requiring upfront cash for accessories.