Council Framework Civil Finance for Australian Contractors

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 council framework civil 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 council framework civil 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 council framework civil 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-council framework civil deals for Australian fleets, often splitting the package across more than one lender to fit each asset's spec and your overall structure.

Yes. Council Framework Civils, attachments, trailers and related equipment are all on the panel. Equipment security can be structured independently of council framework civil finance if that better suits the deal.

A chattel mortgage gives you immediate ownership of the council framework civil while the lender holds it as security. You claim GST upfront and depreciate the plant for tax. It is the most common structure for established Australian owner-operators. A finance lease keeps the council framework civil 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 council framework civil 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 council framework civil 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 council framework civil. 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 and infrastructure lenders on our panel recognise council framework agreements, including panel contracts, schedule-of-rates work and multi-year maintenance programs, as recurring contract income and price the loan against the framework run-rate.

Yes. Lenders structure chattel mortgage terms and balloons against the framework's run, so repayments align with how the panel actually pays, including seasonal cycles for parks, drainage and stormwater programs.

Yes. Operators holding multiple council frameworks across regions can set up a master facility on our panel that approves plant additions inside the program without a new application each time, reducing credit hits and admin.