Crane Truck Finance for Construction & Civil Contractors
Specialist crane truck finance for Australian construction, civil, transport and tier-one infrastructure operators running HIAB-style truck-mounted cranes, knuckleboom cranes and hook-lift bodies. Contract and BAS income assessed directly. New, used, dealer or private-sale crane trucks 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 crane trucks
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 Crane Operators, Backed by Specialists
Whether you are an owner-operator buying your first crane truck, a contractor replacing an ageing unit, or a business that has just won a new construction or civil contract, Equifund matches you to lenders that read contract income and asset value correctly.
Who We Help
Specialist finance for every corner of Australian construction, civil and lift work.
Owner-Operators Buying Their First Crane TruckContractors Replacing an Ageing Crane TruckBusinesses That Have Won a New Construction ContractOperators Refinancing Existing Crane Truck LoansWhy Choose Us
Faster pre-approvals and terms built around your construction or civil business.
Wide Panel of Australian Lenders, Not One Credit Template
We Move Quickly So You Are Not Left Waiting
Contract, BAS and Freight Income Assessed Directly
Support for Owner-Operators and Complex Profiles
Which Crane Truck Type Can I Finance?
The most common crane truck configurations on Australian construction and civil sites, financed through specialist lenders for prime ABN profiles.
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HIAB-Style Truck-Mounted Cranes
Finance for HIAB and similar truck-mounted crane units used for steel, precast and general lift work on construction and civil sites.
Knuckleboom Cranes
Finance for knuckleboom and articulated crane trucks from brands including Palfinger, Fassi, Effer and Cormach, built for tight access and long-reach lifts.
Hook-Lift Crane Bodies
Finance for hook-lift crane bodies that swap between bins, flat decks and specialised attachments on the one chassis.
Tray-Top Crane Trucks
Finance for tray-top crane trucks used for general steel, materials and equipment delivery on metro and regional sites.
Dual-Cab Crane Trucks
Finance for dual-cab crane trucks that carry a crew and a lift capability together, common on smaller civil and maintenance jobs.
Heavy-Duty Crane Trucks
Finance for heavier crane trucks with a higher lift capacity, built for structural steel, precast panels and tier-one contract work.
Plus service cranes, tandem and tri-axle crane trucks and articulated loader cranes. If your configuration is not listed, we still finance it.
Which Crane Truck Finance Structure Is Right for You?
Five ways to structure your finance, each suited to a different goal and cash flow position.
Chattel Mortgage
You own the crane truck 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 construction and civil operators, since you can typically claim the GST back on the purchase price straight away and depreciation runs through your own business. Crane trucks over 1 tonne payload are exempt from the ATO car limit, so the full purchase price is generally deductible. A balloon payment can be added to lower your regular repayments if that suits your cash flow better.
Hire Purchase
The lender owns the crane truck 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 owner-operators 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 crane truck for the term of the lease while you use it on site, making regular lease payments that are typically fully tax deductible. At the end of the term you can make an offer to buy the crane truck, refinance the residual, or hand it back, giving you flexibility if your contract pipeline changes.
Operating Lease
You pay to use the crane truck for an agreed term, and your lender carries the risk of its residual value, not you. It suits fleet operators who like to keep their crane trucks current, since bundled servicing is often included and you simply hand the truck back and roll into a newer unit when the term ends.
Unsecured Business Loan
Funds are assessed against your business's trading position rather than security over the crane truck itself, so you can move quickly on a private sale or older truck 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 business and the crane truck you are financing through our secure online form.
Speak With a Crane Truck Finance Specialist
An Australia-based crane truck 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 contract income actually flows.
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 Operators
See how Australian construction and civil operators are getting the crane trucks 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 Crane Truck Finance
Three quick steps. An Australia-based crane truck finance specialist gets back to you the same business day.
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Rated 5.0 on Google by Australian transport operators for fast pre-approvals, flexible terms and specialist service. 5.0 ★ · Real Google reviews
Have Questions?
Straight answers to the questions Australian crane truck operators ask most.
What types of crane truck can I finance?
New, used, demonstrator, dealer and private-sale crane trucks across HIAB-style truck-mounted cranes, knuckleboom cranes and hook-lift bodies, on any major chassis. Your specialist matches the finance to the work and the lender to your file.
Can you finance new and used crane trucks with HIAB and knuckleboom cranes?
Yes. New, demo and used crane trucks fitted with HIAB, Palfinger, Fassi, Effer and Cormach knuckleboom and articulated cranes are routinely financed through specialist lenders on our panel.
Can I finance a used, private-sale or auction crane truck?
Yes. Dealer purchases, private sales, auctions and end-of-lease buyouts are all financeable. The crane truck just needs to meet the lender's age and condition requirements.
Do you finance trailers and other equipment as well as crane trucks?
Yes. Crane trucks, attachments, trailers and related equipment are all on the panel, and equipment security can be structured independently of the crane truck finance if that suits the deal better.
Do you finance crane trucks Australia-wide?
Yes. We are an Australian crane truck finance team funding construction, civil and transport operators in every state and territory, from metro sites to regional and remote projects.
What's the difference between a chattel mortgage and a finance lease?
A chattel mortgage gives you immediate ownership of the crane truck while the lender holds it as security, and you can claim GST and depreciation upfront. It is the most common structure for established Australian operators. A finance lease keeps the crane truck on the lender's books with set payments and an optional residual, useful for fleet operators managing repayments against turnover.
Can I claim GST and depreciation on a crane truck?
Crane trucks over one tonne payload are exempt from the ATO car limit, so the full value can generally be depreciated, and a chattel mortgage lets you claim the GST upfront. Consult your accountant to confirm your position.
Can repayments be structured around contract or seasonal work?
Yes. Construction and civil contracts often run in stages rather than a steady monthly rhythm. The lender panel includes options that build repayments around how your contract income actually flows.
Can I refinance an existing crane truck loan?
Yes. Refinance can lower your rate or restructure a balloon, and sale-and-leaseback frees up equity in a crane truck you already own outright to fund the next unit.
Do balloon or residual payments work on crane truck finance?
Yes. A balloon or residual lowers your monthly repayment by deferring part of the value to the end of the term. We structure it to suit your replacement cycle so it does not catch you out.
How long does crane truck 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. Specialist lenders read contract and BAS income directly, so they move faster than major banks.
Do I need a deposit?
$0 deposit is available for prime applications, especially established operators with active construction or civil contracts. New ABNs may need a contribution, but $0 deposit on the right deal is common for operators with verifiable income.
Do I need to own property to qualify?
No. Many of our lenders score the deal on contract income and asset value rather than requiring property security. Non-property owners regularly settle crane truck finance through Equifund.
Can I get crane truck finance as an owner-driver with a short trading history?
Yes. Specialist lenders can assess on your head-contract, the asset and your industry experience rather than requiring years of trading, which is how many first-crane-truck operators get pre-approved.
Can I finance multiple crane trucks or a whole fleet?
Yes. Multi-truck and fleet deals are common, funded as a package under a master facility rather than separate loans, which simplifies your repayments and reporting.
What do I need to apply for crane truck finance?
An active ABN, recent BAS or bank statements, the crane truck details, and any construction or civil contract you hold. We will confirm exactly what your lender match needs after a quick call.