Civil Contractor Finance for Australian Businesses

We finance new, used, demonstrator, dealer and private-sale civil plant and vehicles across all major makes including Caterpillar, Komatsu, Hitachi, Volvo CE, Hyundai, JCB, Kobelco and Sumitomo. Your specialist matches the finance to your work and the lender to your file.

Pre-approval is typically inside 24 hours once you submit the form. Settlement timing then depends on the lender and asset details, with many Australian deals settling within a week of pre-approval.

No. Many of our lenders score the deal on trade income and asset value rather than requiring property security. Non-property owners regularly settle civil contractor finance through Equifund.

Not always. $0 deposit is available for prime applications, especially for established operators with active job book or builder framework. Other deals may require a deposit depending on the asset, the lender and the loan term.

Yes. We finance dealer purchases, private sales, auctions and end-of-lease buyouts. The civil contractor just needs to meet the lender's age and condition requirements.

Yes. Many Australian operators refinance to access a better rate, restructure repayments around their income cycle, release equity from the asset, or consolidate multiple civil contractor loans into one facility.

We have a panel of 80+ Australian lenders spanning major banks, specialist asset financiers and non-bank lenders that specifically understand trade income and transport assets. Your specialist matches your file to the right lender for the deal.

Yes. We regularly settle multi-civil contractor deals for Australian fleets, often splitting the package across more than one lender to fit each asset's spec and your overall structure.

Yes. Civil Contractors, attachments, trailers and related equipment are all on the panel. Equipment security can be structured independently of civil contractor finance if that better suits the deal.

A chattel mortgage gives you immediate ownership of the civil contractor while the lender holds it as security. You claim GST upfront and depreciate the asset for tax. It is the most common structure for established Australian owner-operators. A finance lease keeps the civil contractor on the lender's books with set monthly payments and an optional residual paid at the end of the term. Useful for fleet operators managing income cycle against vehicle turnover. Your Australia-based civil contractor finance specialist will recommend the structure that suits your business and tax position. Read the full chattel mortgage vs finance lease comparison.

Trade income recognition is how a specialist lender reads income from job invoices, progress claims and BAS rather than treating only PAYG salary as income. Bank credit templates often miss this. Specialist lenders read trade income accurately, which is why established Australian operators frequently get approved on deals that mainstream banks decline.

Low-doc civil contractor finance is approval on a reduced documentation set, usually a Director declaration plus business activity statements or recent bank statements, rather than full financials. It is faster to process and common for established small-fleet operators in Australia who would rather not produce two years of full tax returns for a single asset purchase.

Pre-approval is a conditional finance approval issued before you commit to a civil contractor. It sets the maximum loan amount, indicative rate, term and repayment structure so you can negotiate with dealers, private sellers or auction houses on solid ground. Equifund pre-approvals are typically issued within 24 hours of form submission.

An Australian Credit Licence (ACL) is a licence issued by ASIC permitting a business to engage in credit activities under the National Consumer Credit Protection Act. Equifund holds Australian Credit Licence 389328. Working with an ACL holder is a baseline regulatory protection for the borrower and a baseline trust signal for any Australian finance provider.

Yes. Specialist civil lenders on our panel score a full plant order, across excavators, tippers, rollers, loaders or dozers, as one chattel mortgage with a single credit decision, secured on the assets themselves and the head-contractor contract income.

Yes. Lenders on our panel routinely score civil finance on active head-contractor and sub-contract income (including council framework and tier-one head-contracts) plus the asset value, without asking for property security on top.

Yes. Specialist civil lenders match the chattel mortgage term and balloon structure to the contract's run, including council framework renewals, head-contract progress-claim cycles and day-rate hire-revenue cycles, so repayments fit how the project actually pays.