Quarry Contractor Finance for Australian Operators

We finance new, used, demonstrator, dealer and private-sale quarry plant and vehicles across all major makes including Caterpillar, Komatsu, Hitachi, Volvo CE, Hyundai, JCB, Kobelco and Sumitomo. Your specialist matches the finance to your work and the lender to your file.

Pre-approval is typically inside 24 hours once you submit the form. Settlement timing then depends on the lender and asset details, with many Australian deals settling within a week of pre-approval.

No. Many of our lenders score the deal on trade income and asset value rather than requiring property security. Non-property owners regularly settle quarry contractor finance through Equifund.

Not always. $0 deposit is available for prime applications, especially for established operators with active job book or builder framework. Other deals may require a deposit depending on the asset, the lender and the loan term.

Yes. We finance dealer purchases, private sales, auctions and end-of-lease buyouts. The quarry contractor just needs to meet the lender's age and condition requirements.

Yes. Many Australian operators refinance to access a better rate, restructure repayments around their income cycle, release equity from the asset, or consolidate multiple quarry contractor loans into one facility.

We have a wide panel of Australian lenders spanning major banks, specialist asset financiers and non-bank lenders that specifically understand trade income and transport assets. Your specialist matches your file to the right lender for the deal.

Yes. We regularly settle multi-quarry contractor deals for Australian fleets, often splitting the package across more than one lender to fit each asset's spec and your overall structure.

Yes. Quarry Contractors, attachments, trailers and related equipment are all on the panel. Equipment security can be structured independently of quarry contractor finance if that better suits the deal.

A chattel mortgage gives you immediate ownership of the quarry contractor while the lender holds it as security. You claim GST upfront and depreciate the plant for tax. It is the most common structure for established Australian owner-operators. A finance lease keeps the quarry contractor on the lender's books with set monthly payments and an optional residual paid at the end of the term. Useful for fleet operators managing income cycle against vehicle turnover. Your Australia-based quarry contractor finance specialist will recommend the structure that suits your business and tax position. Read the full chattel mortgage vs finance lease comparison.

Trade income recognition is how a specialist lender reads income from job invoices, progress claims and BAS rather than treating only PAYG salary as income. Bank credit templates often miss this. Specialist lenders read trade income accurately, which is why established Australian operators frequently get approved on deals that mainstream banks decline.

Low-doc quarry contractor finance is approval on a reduced documentation set, usually a Director declaration plus business activity statements or recent bank statements, rather than full financials. It is faster to process and common for established small-fleet operators in Australia who would rather not produce two years of full tax returns for a single asset purchase.

Pre-approval is a conditional finance approval issued before you commit to a quarry contractor. It sets the maximum loan amount, indicative rate, term and repayment structure so you can negotiate with dealers, private sellers or auction houses on solid ground. Equifund pre-approvals are typically issued within 24 hours of form submission.

An Australian Credit Licence (ACL) is a licence issued by ASIC permitting a business to engage in credit activities under the National Consumer Credit Protection Act. Equifund holds Australian Credit Licence 389328. Working with an ACL holder is a baseline regulatory protection for the borrower and a baseline trust signal for any Australian finance provider.

Yes. Specialist quarry and resources lenders on our panel price tip-fee income, aggregate gate sales and haul-rate tonne contracts as recurring quarry revenue, and structure plant finance against the quarry's actual P&L rather than generic asset templates.

Yes. Quarry contractors on a defined crushing or screening contract can finance the plant with the loan term and balloon matched to the contract length, so the asset pays itself down on the job that bought it.

Yes. Operators running combined quarry yards and quarry haulage fleets can structure a single master facility on our panel that approves both plant and haul tippers as the operation expands, with one set of credit checks rather than separate applications per asset.