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SYDNEY CIVIL & EARTHMOVING CONTRACTORS

Who Is Sydney Earthmoving &
Mining Finance Built For?

Equifund earthmoving and mining finance is built for established Sydney ABN holders, whether you are a civil contractor working Western Sydney infrastructure packages, a quarry operator, or a mining services business adding plant for a new contract. 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.

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. Sydney earthmoving and mining finance is part of our national earthmoving & mining finance offering, with the same lender panel and approach behind every local deal.

  • Growing a Western Sydney civil fleetAdd excavators, skid steers or loaders as infrastructure and land-release work grows, with $0 deposit on prime applications assessed on contract income.
  • 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 infrastructure 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 Sydney 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 Sydney 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 Sydney 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 Are Sydney Earthmoving & Mining Clients Getting?

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

"WestConnex subcontract package needed a second excavator inside the fortnight. Read on the head contract, not just the ABN age, and had it settled before mobilisation."

Civil contractor
Western Sydney

"Quarry expansion near Penrith needed a crushing and screening upgrade. The lender structured repayments around the quarry's production cycle instead of a flat monthly figure."

Quarry operator
Penrith

"Western Sydney Aerotropolis civil package needed two skid steers and a mid-size excavator financed together. One application instead of three separate ones, settled inside the week."

Earthmoving contractor
Bringelly

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

Civil contractor, auction
Sydney

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

Fleet refinance
South West Sydney

"New civil business with a short trading history won a subdivision earthworks package. The lender assessed on the contract and BAS rather than years of books."

Civil contractor, short trading history
Western Sydney

"Mine-site services contractor relocating equipment for a new NSW contract. Financed the extra plant needed for mobilisation as one application."

Mining services contractor
Sydney

"Infrastructure tender win meant scaling the fleet fast. The lender structured a short-term facility that rolled into a standard term once the project settled into its run rate."

Seasonal fleet scaling
Western Sydney

"Compact excavator for tight-access landscaping and civil work around Hills District properties. $0 deposit on a prime application and the keys within the fortnight."

Compact excavation
Hills District

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

Ex-fleet, private sale
Sydney
FAQ

Common Sydney Earthmoving & Mining Finance Questions

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

What types of earthmoving and mining equipment can I finance in Sydney?

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

How long does Sydney earthmoving and mining finance take to settle?

Pre-approval typically comes back inside a business day. Settlement timing then depends on the lender and asset, with many Sydney deals settling within a week of pre-approval.

Do I need a deposit?

$0 deposit is available for prime applications, especially for established Sydney contractors with active project contracts. Other deals may require a deposit depending on the asset, lender and term.

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

Yes. Specialist lenders can assess on your project contracts and BAS income rather than years of trading history.

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

Yes. Used, ex-fleet, dealer demo and private-sale equipment is all financeable, subject to the lender's age and condition criteria.

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

A chattel mortgage gives you ownership from settlement with GST claimable upfront. Hire purchase and finance lease structures differ in ownership timing and tax treatment. Your specialist explains which suits your Sydney business before you apply.

Can repayments be structured around project or seasonal cycles?

Yes. Seasonal and skip-month structures are common for civil and quarry operators whose cash flow follows project milestones rather than the calendar.

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

Yes. Multi-asset and mixed-fleet deals are common for Sydney civil contractors mobilising for larger infrastructure packages.

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

Yes. Refinance can lower your rate, restructure a balloon, or free up equity from equipment you already own outright.

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 asset value to the end of the term.

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

An active ABN, recent BAS or bank statements, and details of the asset and project. Most applications take under 5 minutes to submit.

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

Yes. Trade-in or private-sale proceeds can be applied against your new asset, reducing the amount financed.
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Apply for Your Sydney Earthmoving & Mining Finance

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

Pre-approval in 24 hours
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Asset Information

Find Us Locally

Earthmoving & Mining Finance by City

Specialist earthmoving and mining finance across Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart and Darwin. Explore the full earthmoving & mining finance hub.

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

Other Equipment We Finance

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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Trucks
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Semi-Trailers & Trailers
Frame 2147227772 (2)
Refrigerated Trucks
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Excavators & Loaders
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Cranes & Site Machinery
Frame 2147227772 (3)
Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
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Skid Steers & Access Equipment
Explore More

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Compare structures and rates across our other commercial asset finance guides.

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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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