Ready to Finance Heavy Equipment?
Complete the form below.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.
30-second check. No impact on your credit score.
Choose your industry
Choose the category that best describes your finance requirement.
Transport & Logistics
Farming & Agriculture
Construction & Earthmoving
Other
Submitting this form does not lock you into finance.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Excavators & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
Skid Steers & Access Equipment
Specialist heavy equipment lenders
Our panel includes lenders who focus exclusively on heavy equipment, mining, and construction. They understand residual values, hour meter assessments, and contract backed lending.
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High value asset experience
We regularly arrange finance for individual assets valued at $1 million to $10 million+. Our process is designed for the additional documentation and assessment these transactions require.
Contract backed finance
Mining and construction contracts provide revenue certainty that supports finance approval. We present your contracts and work pipeline to lenders who assess based on earning capacity.
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All heavy equipment categories
Excavators, dozers, dump trucks, graders, drill rigs, crushers, screens, conveyors, underground equipment, and all heavy plant used in Australian industry.
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Haul trucks 40t to 400t
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Mining excavators
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Large dozers D9 to D11
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Production drill rigs
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Underground loaders and trucks
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Water carts and fuel trucks
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Large excavators 30t to 90t
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Motor graders 120 to 24
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Articulated dump trucks
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Compactors and rollers
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Scrapers and pipelayers
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Bridge and tunnel equipment
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Jaw and cone crushers
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Impact crushers
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Screening plants
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Conveyor systems
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Wash plants
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Mobile crushing units
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Wheel loaders 7t to 30t+
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Rock trucks
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Drilling and blasting equipment
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Aggregate processing
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Stockpile management
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Material handling
HOW THE PROCESS WORKS
How Heavy Equipment Finance Works
A straightforward process.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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Financing
Secured
Your finance broker will work with you to source the best funding offers available and guide your application to success.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
What is the maximum you can finance for a single piece of heavy equipment?
We arrange finance from $100,000 to well over $10 million for individual heavy equipment assets. Fleet and multi-asset p
How do lenders assess heavy equipment?
Specialist lenders assess heavy equipment on brand, age, hours, condition, maintenance history, and application. A well
Do you finance equipment for contract mining?
Yes. Contract mining is a well established business model that our specialist lenders understand. They assess your fleet
Can I finance heavy equipment with a balloon payment?
Yes. Balloon payments can reduce regular repayments during the loan term. At the end, you pay the balloon, refinance, or
How long does heavy equipment finance take to approve?
Standard applications under $1 million can be pre-approved within 24 to 48 hours. Larger transactions typically require
Can I finance imported heavy equipment?
Yes. We finance imported equipment from international sources with appropriate documentation including purchase invoices
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805