Construction Equipment Financefor Australian Contractors
Specialist construction equipment finance, also known as civil equipment finance or earthmoving finance, for established Australian civil contractors, builders and demolition crews, from earthworks to concreting and landscaping. BAS and trading history assessed directly. Excavators, bobcats, wheel loaders, compactors and attachments bundled into one chattel mortgage, finance lease or operating lease.
- Pre-approval inside 24 hours
- $0 deposit for prime applications
- Wide specialist lender panel
- New, used, dealer or private-sale machinery
30-second check. No impact on your credit score.
Choose Your Industry
Choose the category that best describes your finance requirement.
No obligation. Soft credit check only.
Built for Contractors, Backed by Specialists
Whether you run a civil earthworks crew, a demolition outfit, or an owner-operator excavation business, Equifund matches you to lenders that read contract income and machinery value correctly.
Who We Help
Specialist finance for every corner of Australian construction and civil works.
Civil Earthworks Contractors
Demolition Contractors
Excavation & Bobcat Operators
Concreting & Formwork Contractors
Landscaping & Civil ContractorsWhy Choose Us
Faster approvals and terms built around your construction business.
Higher Pre-Approval Rates for Construction Machinery
We Move Quickly So You Do Not Miss the Window
Repayments Structured Around Your Project Cycle
Support for Owner-Operators and Non-Standard Profiles
Which Construction Equipment Brands Can I Finance?
Every major construction equipment brand on the Australian market, financed through specialist lenders for prime ABN profiles.
CAT
Australia's most widely run civil fleet: 320 to 390 Series excavators, 950 to 980 wheel loaders, D-Series dozers and backhoe loaders, built for earthworks, demolition and large-scale civil projects.
Komatsu
High-performance excavation specialist: PC excavators from mini to large-frame, WA wheel loaders and D dozers, built for civil earthworks, demolition and quarry-adjacent site work.
Bobcat
The benchmark for compact and skid steer equipment: S-Series skid steers, T-Series compact track loaders, mini excavators and a full attachment range, suited to tight-access civil and landscaping sites.
Hitachi
Proven heavy-duty reliability: ZX Series excavators from compact to large mining-class machines, backed by a global parts network, suited to demolition, bulk earthworks and civil contracts.
Kubota
The benchmark for compact and mid-size excavators: U-Series and KX-Series mini and compact excavators, plus compact track loaders, suited to landscaping, formwork and tight urban sites.
Plus Volvo CE, JCB, Doosan, Liebherr, Case CE, Kobelco and Sany. If your brand is not listed, we still finance it.
Which Construction Equipment Finance Structure Is Right for You?
Five ways to structure your finance, each suited to a different goal and cashflow position.
Chattel Mortgage
You own the equipment from the day finance settles, while your lender holds a mortgage over it as security until the loan is repaid. It is the most requested structure for GST-registered civil contractors, since you can typically claim the GST back on the purchase price straight away and depreciation runs through your own business. A balloon payment can be added to lower your regular repayments if that suits your cash flow better.
Hire Purchase
The lender owns the equipment for the life of the agreement and you make fixed repayments to use it, with ownership transferring to you once the final payment clears. It suits contractors who want the certainty of a fixed repayment structure, and the GST is spread across your payments rather than claimed as one lump sum upfront.
Finance Lease
Your lender retains legal title to the equipment for the term of the lease while you use it in your operation, making regular lease payments that are typically fully tax deductible. At the end of the term you can make an offer to buy the asset, refinance the residual, or hand it back, giving you flexibility as your project pipeline changes.
Operating Lease
You pay to use the equipment for an agreed term, and your lender carries the risk of its residual value, not you. It suits contractors who like to keep their fleet current, since bundled servicing is often included and you simply hand the machine back and roll into newer equipment when the term ends.
Unsecured Business Loan
Funds are approved against your business's trading position rather than security over the equipment itself, so you can move quickly on a private sale or older machinery a traditional lender might decline. It typically comes with a shorter term and can settle the same day, once your trading history has been assessed.
Depreciation and car cost thresholds set by the ATO. Credit licensing regulated by ASIC.
Clear Terms. No Unnecessary Complexity. Fast Outcomes.
A straightforward path designed to move you from application to pre-approval quickly.
Complete the Form in 60 Seconds
Tell us about your construction or civil contracting business and the machinery you are financing through our secure online form.
Speak With a Construction Equipment Finance Specialist
An Australia-based construction equipment finance specialist reviews your situation and walks you through the documents needed for the lender match.
Get Pre-Approved Over the Phone
You'll have a clear pre-approval often within 1 business day, with rate, term and repayment structure tailored to how your project cash flow actually works.
Settle the Loan and Take Delivery
Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.
Real Results for Real Contractors
See how Australian civil contractors and builders are getting the machinery they need, even with complex profiles.
What Other Equipment Can I Finance?
Equifund finances every major commercial asset class for prime ABN profiles, backed by a wide lender panel.
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Apply for Your Construction Equipment Finance
Three quick steps. An Australia-based construction equipment finance specialist gets back to you the same business day.
Business Details
Contact Information
Asset InformationWhat Our Clients Have to Say
Rated 5.0 on Google by Australian civil contractors and builders for fast pre-approvals, flexible terms and specialist service. 5.0 ★ · Real Google reviews
Have Questions?
Straight answers to the questions Australian civil contractors and builders ask most.
What types of Construction Equipment can I finance in Australia?
We finance every construction equipment class: excavators and mini excavators (CAT, Komatsu, Hitachi, Kubota), skid steers and compact track loaders (Bobcat), wheel loaders, backhoe loaders, compactors, concrete pumps and site attachments. New, used, ex-fleet, dealer, private sale or auction.
Do I need to own property to qualify?
No. The specialist lender panel includes options that assess on the construction equipment asset, your contract pipeline, progress-payment income and trading history rather than requiring property as security. Matters most for owner-operators, subcontractors and civil businesses that don't want to lock the family home.
Do I need a deposit?
$0 deposit is available for prime applications, especially established contractors with active civil or building contracts. New ABNs typically need contribution, but $0 deposit on the right deal is common for ongoing contractors with verifiable contract income.
Which finance option suits project-based construction businesses?
Most project-based contractors use a chattel mortgage, since you own the equipment from settlement and repayments can be structured around progress-claim income rather than a flat monthly schedule. Contractors with steadier year-round income sometimes prefer a finance lease for the lower upfront cost. A specialist reviews your actual income pattern before recommending a structure.
What is the best construction equipment finance for a civil contractor?
Most civil contractors use a chattel mortgage, since it lets you claim GST and depreciation upfront while structuring repayments around contract and progress-payment income rather than a fixed monthly schedule. The right structure still depends on your trading history and cash flow, so a specialist reviews your situation before recommending one.
Can repayments be structured around progress payments?
Yes. Structured repayment options (skip-month, milestone-linked, quarterly-to-match-contract-billing) are standard for civil and demolition contractors. Specialist lenders understand contract-tied income and can structure repayments around your billing cycle.
What's the difference between chattel mortgage and finance lease for construction equipment?
Chattel mortgage: you own the construction equipment, claim depreciation and GST, lender holds security. Finance lease: lender owns it, you pay rental, GST claimed on each payment. Most owner-operators run chattel for depreciation. Both available.
What is low-doc construction equipment finance?
Low-doc construction equipment finance is asset finance approved on a reduced document set, typically BAS, bank statements and evidence of your contract pipeline, rather than full financials and tax returns. Best suited to established contractors with an active ABN.
Can I claim instant asset write-off on a construction equipment purchase?
Tax treatment depends on the structure you choose and current ATO rules. For FY26, the small business instant asset write-off threshold is $20,000 per asset for businesses under $10M turnover. Larger construction equipment purchases generally fall under standard depreciation. Consult your accountant.
How long does Australia construction equipment finance take to settle?
Pre-approval typically comes back inside a business day. Settlement happens once you have signed contracts and any final lender conditions are met. Civil-specialist lenders read your contract pipeline and progress-payment income directly, so they move faster than major banks on construction equipment deals.
Can I finance a used excavator, skid steer or ex-fleet machine?
Yes. Used construction equipment, including ex-fleet, dealer demo and private sale, is all financeable. Major banks have age cut-offs; specialist lenders look at machine condition, hours and service history.
Can I finance multiple machines together?
Yes. Multi-machine deals, such as an excavator, skid steer and attachments for a full site setup, or a loader and multiple compactors for a civil fleet, are common. The lender panel includes options that fund packages under a master facility against your contract portfolio.
Can I refinance an existing construction equipment loan?
Yes. Refinance is common when an existing deal was settled at high rates, has an unfavourable structure, or is consolidating multiple machines into one master facility.
What is the best way to finance an excavator in Australia?
The best structure depends on whether you want to own the excavator from day one, which points to a chattel mortgage, or keep repayments lower with flexible end-of-term options, which points to a finance lease or operating lease. Equifund matches you to a specialist lender from a wide panel based on your ABN history and the machine you are financing.
Where Can I Get Construction Equipment Finance in Australia?
Specialist construction equipment finance across Sydney, Melbourne, Brisbane, Perth, Adelaide, Darwin, Canberra and Hobart.
Chattel Mortgage vs Finance Lease for Construction Equipment
A side-by-side breakdown of GST treatment, ownership timing and which finance structure suits your operation.
Buying Construction Equipment at Auction vs Through a Dealer
What changes about financing an auction purchase versus a dealer purchase, and how to get pre-approved before auction day.
EOFY Tax Considerations for Construction Equipment Purchases
How instant asset write-off, depreciation and GST timing interact with a chattel mortgage or lease before June 30.
Structuring Repayments Around Progress Payments and Contract Cycles
How progress-payment and contract-tied income can be matched to a repayment schedule instead of a fixed monthly structure.