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CONTRACTORS TO MINE-SITE OPERATORS

Who is Earthmoving &
Mining Finance Built For?

Equifund earthmoving and mining finance is built for established Australian ABN holders, whether you are a civil contractor adding an excavator to the fleet, an earthmoving business replacing ageing plant, or a mining services contractor financing equipment for a new site. We match your application to specialist earthmoving and mining lenders who read project contracts, BAS income and plant value the right way, financing excavators, skid steers, loaders and dozers for fleets of any size.

If you hold an ABN, your application goes to specialist earthmoving and mining lenders who assess contract income, BAS and plant asset value directly, in one structured submission with no multi-lender credit hits.

  • Growing a civil or earthmoving fleetAdd excavators, skid steers or loaders as project volume grows, with $0 deposit on prime applications assessed on contract income rather than years of trading.
  • Refreshing an ageing plant fleetReplace excavators, loaders and dozers before maintenance costs outrun resale value, trade-in and replacement structured under one application.
  • Won a new civil or mine-site contractQuote the work knowing your pre-approval is locked in and the plant will be ready for mobilisation.
  • Refinancing existing plant loansFree up monthly cash flow, restructure balloons before they fall due, or consolidate multiple asset loans into one.

ACROSS ASSET TYPES

Which Asset Types Can We Finance?

From compact excavators to skid steers, Equifund finances every asset type across your earthmoving and mining fleet.

Compact excavator finance Australia
Compact Excavators
TIGHT-ACCESS SITES

Compact excavator finance for tight-access civil and landscaping sites, new or used.

Mid-size excavator finance Australia
Mid-Size Excavators
CIVIL & GENERAL EARTHWORKS

Mid-size excavator finance for civil contractors handling general earthworks, new or used.

Heavy excavator finance Australia
Heavy Excavators
BULK & MINE-SITE WORK

Heavy excavator finance for bulk earthworks and mine-site operators, new or used.

Quarry and mining excavator finance Australia
Quarry & Mining Excavators
QUARRY & EXTRACTION

Excavator finance for quarry and mining extraction work, backed by our 80+ lender panel.

Precision excavator finance Australia
Precision Excavators
URBAN & CONFINED SITES

Precision excavator finance for confined-space and urban civil sites, new or used.

Skid steer and compact loader finance Australia
Skid Steers & Compact Loaders
COMPACT & VERSATILE

Skid steer and compact loader finance for site-access and materials handling work.

BRANDS WE FINANCE

  • Caterpillar
  • Komatsu
  • Hitachi
  • Volvo CE
  • Bobcat
  • Kubota
  • Hyundai
  • Doosan
  • JCB
  • Liebherr
  • Sany
  • Sumitomo
  • Case
  • New Holland
  • Sandvik

Plus dozers, graders, dump trucks and crushing and screening equipment and every other major make
on the Australian market. If your brand is not listed, we still finance it.
THE SMARTER CHOICE

Equifund vs Bank vs Dealer?

How earthmoving and mining finance compares across the three places ABN holders can fund plant.

Recommended

Equifund

Commercial finance specialist

  • Assessed on project contracts & BAS
  • 80+ Australian lenders matched to your deal
  • Balloon, 1 to 7 year terms, extra repayments
  • New, used, private-sale and auction financed
  • Excavators, loaders, dozers on one application
  • $0 deposit, secured on the equipment
  • Pre-approval often in 24 to 48 hours

Major bank

Direct to one lender

  • Prefers strong financials or PAYG income
  • Full financials and tax returns required
  • One bank, one credit template
  • Standard products, limited flexibility
  • Restrictive on used, private and auction buys
  • Typically one asset class per approval
  • 5 to 10 business days on average

Dealer finance

A lead form at the yard

  • Whoever is buying that unit at the yard
  • Limited, tied to the sale only
  • One or two aligned financiers only
  • Rate loaded with dealer margin
  • Usually the dealer's own stock only
  • Limited to what that dealer sells
  • Fast at the desk, but the offer is fixed
HOW THE PROCESS WORKS

How Does Earthmoving & Mining Finance Work?

A simple, secure online application, with honest advice from an earthmoving and mining finance specialist you can trust.
No pressure. No hit to your credit score.

01
Group (3)

Complete the Form in 60 Seconds

Tell us about your earthmoving or mining business and the excavators, loaders or plant you are financing through our secure online form.

02
Group (4)

Speak With a Finance Specialist

An Australian earthmoving and mining finance specialist reviews your situation and walks you through the documents needed for the lender match.

03
Frame (9)

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 income actually flows.

04
Group (5)

Settle the Loan and Take Delivery

Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.

Get My Pre-Approval
60 second form. No impact on your credit score.
RECENT SETTLEMENTS

What Results Do Our Earthmoving & Mining Finance Clients Get?

Earthmoving and mining deals settled across 80+ Australian specialist lenders. ACL 389328.

"Growing civil contracting business adding a second excavator for a new subdivision job. Read on the contract, not just the machine, and had it settled inside the fortnight."

Civil contractor
New South Wales

"New mine-site contract needed a dozer and a grader ready together. Financed as one package instead of two separate applications, mobilised before the start date."

Mining services contractor
Western Australia

"Quarry business adding a crusher to keep up with demand. Cashflow follows the project pipeline, not the calendar month, and the lender structured around that."

Quarry operator
Queensland

"Used excavator at auction for a growing earthmoving business. Auction terms meant settle in five business days or lose the deposit. Paid the seller direct on day four."

Earthmoving contractor, auction
Victoria

"Refinanced three excavators and a dozer into one facility. Cut the monthly outgoing, restructured a balloon that was coming due, freed up cashflow for the next job."

Fleet refinance
South Australia

"Civil contractor with a short trading history adding a second skid steer. The lender assessed on the project contracts and BAS rather than years of books."

Civil contractor
New South Wales

"New mine-site depot needed drill rigs and a materials package ready before mobilisation day. Funded as one application instead of chasing separate equipment finance."

Mining services, mobilisation
Queensland

"Wet season hit and the earthworks contract needed extra plant on site within days. The lender structured a short-term facility that rolled into a standard term once conditions eased."

Seasonal plant scaling
Northern Territory

"Compact excavator for a landscaping business scaling up. $0 deposit on a prime application and the keys within the fortnight."

Compact excavation
New South Wales

"Ex-fleet dozer, private sale. Read on the operator's project history rather than the seller's paperwork, settled direct that week."

Ex-fleet, private sale
Tasmania
FAQ

Common Earthmoving & Mining Finance Questions

Straight answers to the questions Australian earthmoving and mining contractors ask most.

What types of earthmoving and mining equipment can I finance?

Excavators, skid steers, loaders, dozers, graders, dump trucks, crushing and screening equipment and drill rigs, new or used, dealer, private sale or auction.

How long does earthmoving and mining 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 earthmoving lenders read project income and contracts 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 contracts. New ABNs may need a contribution, but $0 deposit on the right deal is common for operators with verifiable income.

Can I finance a used or ex-fleet excavator, dozer or loader?

Yes. Used, ex-fleet, dealer demo and private-sale equipment is all financeable. Major banks apply age cut-offs; specialist lenders look at condition, hours and service history.

Do you finance earthmoving and mining businesses Australia-wide?

Yes. We are an Australian earthmoving and mining finance team funding contractors in every state and territory, from metro civil sites to regional and remote mine sites.

Can I finance multiple excavators or a mixed plant fleet in one application?

Yes. Multi-asset and mixed-fleet deals are common, funded as a package under a master facility rather than separate loans, which simplifies your repayments and reporting.

Can I finance equipment across multiple sites in one application?

Yes. Multi-site contractors and mining operators can finance excavators, loaders and plant for several sites under one facility, rather than submitting a separate application for each location.

Can I trade in or sell my existing plant as part of an upgrade?

Yes. Trade-in or private-sale proceeds from your existing excavators, loaders or dozers can offset the new facility, and if the timing does not line up we can bridge the gap so the upgrade does not stall waiting on a sale.

Can I get earthmoving finance as a contractor with a short trading history?

Yes. Specialist lenders can assess on your project contracts, the asset and your industry experience rather than requiring years of trading, which is how many growing civil and earthmoving businesses get approved.

What is the difference between a chattel mortgage, hire purchase and lease?

A chattel mortgage gives you ownership from day one and the GST benefit upfront. Hire purchase spreads ownership over the term. A lease keeps the asset on the lender's books with set payments and an optional residual. We match the structure to your tax position and cashflow.

Can repayments be structured around project or seasonal cycles?

Yes. Seasonal and skip-month structures are common for operators whose income runs against wet season, project milestones or mine-site cycles. The lender panel includes options that build repayments around how your project income actually flows.

Can I get pre-approved before I have signed the project or site contract?

Yes. A conditional pre-approval lets you quote the work and commit to the equipment knowing the finance is in place, then settle once the contract is signed.

Can I refinance or do a sale-and-leaseback on equipment I already own?

Yes. Refinance can lower your rate or restructure a balloon, and sale-and-leaseback frees up equity in excavators, loaders or dozers you own outright to fund the next unit.

Do balloon or residual payments work on earthmoving and mining finance?

Yes. A balloon or residual lowers your monthly repayment by deferring part of the value to the end of the term. We will structure it to suit your replacement cycle so it does not catch you out.

Can I claim the instant asset write-off or GST on earthmoving equipment?

Heavy earthmoving equipment can generally be depreciated in full, and a chattel mortgage lets you claim the GST upfront. Confirm your position with your accountant.

What do I need to apply for earthmoving and mining finance?

An active ABN, recent BAS or bank statements, the equipment details, and any project or site contract. We will tell you exactly what your lender match needs after a quick call.
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Apply for Your Earthmoving & Mining Finance

Three quick steps. An Australian earthmoving and mining finance specialist gets back to you the same business day.

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Find Us Locally

Earthmoving & Mining Finance by City

Specialist earthmoving and mining finance across Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart and Darwin.

SydneyWestern Sydney infrastructure and civil projects, pre-approved in 24 hours.Explore Sydney → MelbourneMelbourne civil construction and quarry operators, financed with $0 deposit.Explore Melbourne → BrisbaneSouth East Queensland civil works and quarrying, matched across 80+ lenders.Explore Brisbane → PerthPilbara mining contractors and WA civil earthworks, new, used or private sale.Explore Perth → AdelaideAdelaide civil contractors and SA quarry operators, approved on BAS and contract income.Explore Adelaide → CanberraACT civil works and regional earthmoving, low-doc approvals for ABN holders.Explore Canberra → HobartTasmanian quarry and civil contractors, repayments structured to your project cycle.Explore Hobart → DarwinNT mine-site contractors and civil works, structured around seasonal cash flow.Explore Darwin →
BEYOND EARTHMOVING & MINING

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Equifund finances every major commercial asset class for prime ABN profiles, from truck and trailer finance to farm machinery, tractors
and yellow goods, backed by 80+ lenders.
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Semi-Trailers & Trailers
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Excavators & Loaders
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Cranes & Site Machinery
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Skid Steers & Access Equipment
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Important information: $0 deposit, rates, fees and approval are subject to lender criteria and your circumstances, and may vary. The information on this page is general information only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you before acting on it.
Equifund Financial Group, Australian Credit Licence 389328.

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