Ready to Finance Your Mini Excavator?
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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12 months
84 months
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Percentage of the loan left owing as a final lump-sum (balloon / residual).
Estimated repayments
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Approx. weekly
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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
Strong resale values
Mini excavators from major brands hold their value exceptionally well. A 3 year old Kubota or CAT retains 60% to 70% of its new value. Lenders reward this with lower rates.
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All brands and sizes
Kubota, CAT, Bobcat, Yanmar, Kobelco, Takeuchi, Komatsu, Volvo, JCB, Hyundai, CASE, and more. 1.7t through to 8t. Zero tail swing, conventional, and knuckle boom.
New and used equally welcome
Mini excavators age well with proper maintenance. We regularly finance 5 to 10 year old minis at rates close to new because lenders understand their durability and resale demand.
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First machine specialists
Buying your first mini? We have lenders who finance new operators and startups. Clean credit and a trade skill are often enough to get approved, even with a new ABN.
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Kubota U17, K008
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CAT 301.5, 301.7
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Bobcat E10, E17
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Yanmar SV08, SV17
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Zero tail swing models
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Backyard and confined space
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Kubota U27, KX033, U35
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CAT 302.7, 303.5
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Bobcat E26, E35
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Kobelco SK28, SK35
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Takeuchi TB230, TB235
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Most popular hire class
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Kubota KX057, U55
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CAT 305, 305.5
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Bobcat E50, E55
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Kobelco SK55
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Komatsu PC55
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Residential and light civil
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Kubota KX080
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CAT 308
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Bobcat E85
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Kobelco SK75
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Komatsu PC78
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Commercial and civil projects
HOW THE PROCESS WORKS
How Mini Excavator 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 most popular mini excavator to finance?
The Kubota U35 and CAT 305.5 are consistently our most financed mini excavators. Both are reliable, hold value well, and
Can I finance a used mini excavator?
Yes. Used minis from major brands in good condition regularly qualify for competitive rates. A service history and recen
How much does it cost to finance a mini excavator?
A new 3.5t mini excavator costs approximately $60,000 to $80,000. Financed over 5 years, repayments are approximately $3
Can I finance attachments with the mini?
Yes. Buckets, augers, hammers, rippers, grabs, and other attachments can be bundled into the finance package with your m
Do I need experience to get mini excavator finance?
Trade qualifications or relevant experience help but are not always required. First time operators with clean credit and
What if I want to hire the mini out as well as use it?
This is very common. Many operators use their mini on their own jobs and hire it out when not needed. Lenders view this
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