Komatsu Equipment Finance

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

Finance type

Loan amount

Enter the approximate amount you’d like to finance.

Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

0% 60%

Percentage of the loan left owing as a final lump-sum (balloon / residual).

Estimated repayments

Monthly repayment

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Approx. weekly

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Loan amount $0.00

Interest rate 0.00% p.a.

Term 0 months

Balloon / residual $0.00

Total repayable (incl. balloon) $0.00

Estimated interest over term $0.00

This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

Specialist finance for new and used Komatsu machinery, from PC mini excavators through to mining-class excavators and D-series dozers, plus WA wheel loaders, HD and HM dump trucks and GD motor graders. Equifund matches your application to the lender that scores machinery on business cashflow, contracts and asset value, not a one-size-fits-all credit template. Komatsu's exceptional resale, KOMTRAX support and nationwide dealer network protect your investment, and we use that strength to push for sharper terms across our panel of 80+ lenders.

Check Eligibility Now Get Pre-Approved

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

No obligation. Soft credit check only.

$50M+ financed in FY2025

Decisions in 24 to 48 hours vs major bank average of 5 to 10 business days

Dedicated Australia-based equipment finance team

Australian Credit License 389328

WHO THIS IS FOR

For Operators Buying Komatsu Machinery

Established civil contractors, earthmovers, quarry operators and mining-services subcontractors are often knocked back by banks, stalled in single-lender queues, or locked into one product by dealer finance. Usually it comes down to the same things: invoice-based or progress-claim income, no residential property to offer as security, or a credit file marked from rate shopping. Whether you are adding a PC excavator for a new contract, replacing a dozer, or putting a dump trucks on the books, the standard bank template rarely fits the job.

Your application goes to specialist equipment lenders who assess business income, asset value and trading history directly, in one structured submission with no multi-lender credit hits.

Civil & earthmoving contractors PC excavators and D-series dozers for site prep, bulk earthworks, trenching and roadworks that pay on progress claims, not flat months. Assessed on the contracts and the machine.
Quarry, aggregates & material handling WA wheel loaders and excavators for quarries, recycling and material handling, financed on the business and the throughput, not a house.
Mining & resources Large excavators, dozers and HD dump trucks for resources work, haul roads and overburden, with repayments matched to the contract and mine-life cycle.
Plant-hire & equipment fleets Plant-hire fleets and operators buying new, used, ex-hire, ex-mine or at auction across the Komatsu range, or refinancing existing machines into one facility.

WHAT WE FINANCE

Komatsu Equipment We Finance

Finance the full Komatsu range, from PC mini to mining-class excavators and D-series dozers to wheel loaders, dump trucks and graders.

Excavators

PC Series

Komatsu PC excavators from compact and mini machines through to mining-class, for civil, trenching, bulk earthworks and resources work.

Dozers

D Series

D-series crawler dozers from the D37 to the giant D375, for site prep, push-dozing, land clearing and mining overburden.

Wheel Loaders

WA Series

Komatsu WA wheel loaders, compact through to large, for quarries, aggregates, material handling and load-and-carry.

Dump Trucks

HD & HM Series

Rigid HD and articulated HM dump trucks for quarry, civil and mine-site haul, from compact units to ultra-class mining machines.

Motor Graders

GD Series

Komatsu GD motor graders for road building, haul-road maintenance, bulk earthworks and fine grading.

Check If You Qualify

SPECIALIST vs BANK vs DEALER

Equifund vs Bank vs Dealer Finance

How Komatsu finance for ABN holders compares across the three places you can fund your machinery.

	Equifund, commercial finance specialist	Major bank	Dealer finance
Who they lend to	Established ABN holders, sole traders to hire fleets, assessed on the business and the asset.	Prefers strong financials or PAYG strength, often backed by property.	Whoever is buying that brand at the desk, on a take-it-or-leave-it offer.
Income assessed	Progress-claim, contract and BAS income. Low-doc for established ABNs, no full tax returns.	Full financials and tax returns usually required.	Limited, tied to the sale, not your wider business.
Lender choice	80+ Australian lenders matched to your deal.	One bank, one credit template.	One or two aligned financiers only.
Rate & structure	Market-tested rate, with balloon, progress-based repayments and 3 to 7 year terms.	Standard products with limited flexibility.	Rate loaded with dealer margin, and high balloons that flatter the monthly but cost more.
Used, ex-mine & auction	New, used, ex-hire, ex-mine, private-sale and auction machines all financed.	Restrictive on used, private and auction buys.	Usually the dealer's own stock only.
Deposit & security	$0 deposit for prime applications, secured on the machine, not your home.	Deposit and often property security required.	Varies, frequently bundled with add-ons.
Pre-approval speed	Typically inside 24 to 48 hours.	5 to 10 business days on average.	Fast at the desk, but the offer is fixed.

HOW THE PROCESS WORKS

How Komatsu Equipment Finance Works

A simple, secure online application, with honest advice from an Australia-based equipment finance specialist you can trust.
No pressure. No hit to your credit score.

Complete the Form in 60 Seconds

Tell us which Komatsu machine you're after and a few basics about your business. Takes about a minute, with no documents to upload yet and no impact on your credit score.

Speak With a Equipment Finance Specialist

An Australia-based equipment 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 business 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.

RECENT SETTLEMENTS

Real Komatsu Finance Approvals Across Australia

Komatsu machinery finance settled across 80+ Australian lenders, from owner-operators to hire fleets. ACL 389328.

"Civil contractor doing subdivision bulk earthworks. Needed another PC excavator for a new stage and the work pays on progress claims, not flat months. The bank wouldn't match the cycle. The lender structured repayments to the claims and we tendered for the next stage knowing the cashflow worked."

Civil earthmoving

Ipswich, QLD

"Quarry and aggregates supply. The loader keeping the crusher fed was tired and we needed a bigger WA. The bank wanted property security for one machine. The lender that took the supply contracts didn't, and the loader's been earning since day one."

Quarry & aggregates

Bathurst, NSW

"Land clearing and dam work. The old dozer was costing more in downtime than repayments, so we moved on a low-hour used D65. Dealer finance only had the one structure. Equifund found a lender that read the clearing contracts, and the dozer paid for itself over the season."

Earthmoving contractor

Hamilton, VIC

"Mining-services subbie running gear on a remote site. Wanted a couple of HD dump trucks to take on more haul. The bank didn't understand the contract structure. A specialist lender did, set repayments to the contract cycle, and we picked up the extra scope."

Mining services

Kalgoorlie, WA

"Shire road maintenance, and we needed a GD grader to hold the contract. Dealer finance was slow and rigid. Equifund matched a lender that handles contract-based work, and we started the maintenance run on time with the right machine."

Roadworks contractor

Dubbo, NSW

Civil earthmoving

Ipswich, QLD

Quarry & aggregates

Bathurst, NSW

Earthmoving contractor

Hamilton, VIC

Mining services

Kalgoorlie, WA

Roadworks contractor

Dubbo, NSW

"Plant-hire yard with a mix of excavators and loaders on different finance from different years. Refinanced the lot into one facility so the books make sense, freed up a bit of room, and we've ordered two more machines for the busy season."

Plant hire fleet

Toowoomba, QLD

"Bulk earthworks on a new estate, and we needed a dozer and a PC excavator on site fast to hit the program. The lender pre-approved on the BAS and the assets, both machines were on the dirt the next week, and we held the program."

Bulk earthworks

Penrith, NSW

"Demolition and recycling business. Needed a high-flow PC excavator with the right attachments for bigger strip-outs. The bank treated the ABN like a personal loan. A low-doc lender took the BAS and the asset and had it sorted in two days."

Demolition & recycling

Dandenong, VIC

"Civil and pipeline work, and we needed a wider fleet to win the next package, an excavator, a dozer and a grader. Equifund structured the lot in one facility around the contract, and we mobilised on time with the right gear."

Civil & pipeline

Gladstone, QLD

"Contract haulage on a mine site, and a couple of ex-mine HD dump trucks came up at the right price. You've got a narrow window to bid. The lender pre-approved fast, we secured them, and they were earning on the haul road inside the month."

Mine-site haulage

Port Hedland, WA

Plant hire fleet

Toowoomba, QLD

Bulk earthworks

Penrith, NSW

Demolition & recycling

Dandenong, VIC

Civil & pipeline

Gladstone, QLD

Mine-site haulage

Port Hedland, WA

FAQ

Common Komatsu Equipment Finance Questions

Straight answers to the questions Komatsu buyers ask most.

Which Komatsu machinery can I finance?

The full Komatsu range, new or used: PC excavators from mini to mining-class, D-series dozers, WA wheel loaders, HD and HM dump trucks, and GD motor graders, plus compact and skid-steer machines. Buckets, rippers, hammers, augers and other attachments can be financed in the same facility.

Can I finance a used, ex-mine or ex-hire Komatsu?

Yes. Used, ex-hire, ex-mine, dealer, private-sale and auction Komatsu machinery is all financeable through specialist lenders on our panel. Komatsu's strong resale and nationwide parts and service support help these deals, because lenders weigh the asset's residual value and serviceability in the approval.

Can I match repayments to progress claims or contract income?

Often, yes. For civil, earthmoving and mining contractors paid on progress claims or against a contract rather than flat months, lenders on our panel can structure progress-based or seasonal repayments, so the machine is paid down when the work actually pays.

Can I finance several Komatsu machines in one application?

Yes. A mixed order, say an excavator and a dozer, or a wheel loader and a dump trucks, can be structured in a single submission to specialist lenders, rather than separate dealer-finance contracts for each machine.

Do I need a deposit?

Not always. Many established operators finance Komatsu machinery with no deposit, securing the loan against the machine itself. A deposit or trade-in can lower repayments if you prefer, and we structure it around your cashflow either way.

Can I get finance on a low-doc or ABN-only basis?

Often, yes. For established ABN holders with a clean recent history, low-doc Komatsu finance is available without full financials, assessed on bank statements, BAS and the asset. It suits contractors with invoice-based or progress-claim income who do not fit a bank's standard template.

What is the difference between a chattel mortgage and a finance lease on Komatsu machinery?

With a chattel mortgage you own the machine from day one and the lender holds security over it, which suits most operators and can carry GST and depreciation benefits. With a finance lease the lender owns the machine and you lease it for a set term. Your specialist will explain which fits your structure, and your accountant can confirm the tax treatment.

How quickly can I get pre-approved?

Usually within 24 to 48 hours of a complete application, compared with the 5 to 10 business days a major bank often takes. Pre-approval lets you walk onto the dealer lot or bid at auction knowing your number, which matters when a machine has to be on site for a contract start.

Can I refinance or consolidate my existing Komatsu loans?

Yes. You can refinance existing machinery to lower repayments, restructure a balloon before it falls due, or consolidate several machine loans into one facility, which frees up room for the next purchase.

Can I include buckets, rippers and attachments in the finance?

Usually, yes. Buckets, rippers, hammers, augers, grapples, tilt-hitches and other attachments can be financed together with the Komatsu machine in one facility, so the whole working setup sits under a single repayment.