Roller Finance for Road and Civil Contractors

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

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

A chattel mortgage gives you immediate ownership of the roller while the lender holds it as security. You claim GST upfront and depreciate the roller for tax. It is the most common structure for established Australian owner-operators. A finance lease keeps the roller 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 repayments against vehicle turnover. Your Australia-based roller finance specialist will recommend the structure that suits your business and tax position. Read the full chattel mortgage vs finance lease comparison.

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

Low-doc roller finance is finance assessed 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 roller. 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. New, demo and used rollers (vibratory, smooth-drum, pad-foot, tandem) from Cat, Bomag, Hamm, Dynapac and Sakai for road, asphalt and civil compaction work are routinely financed through specialist lenders on our panel.

Yes. Lenders on our panel score rollers on contract income, BAS and active road and civil contracts. The roller itself secures the loan.

A roller you have found for sale online can be financed whether the listing sits with a dealer, a marketplace or a classifieds page. The lender assesses the machine itself, so the make, model, year, hours and the type of seller matter far more than where the advertisement appeared. Send us the listing and we will confirm what that lender needs to see.

There is no fixed age or hours cut-off across the panel. Lenders weigh the machine's make, model, hours and condition against your trading history, so a well-maintained high-hour machine from a mainstream brand is often funded where a rarer machine of the same age is not. Older machines may attract a shorter term or a deposit.

To apply for roller finance you need an active ABN, recent BAS or bank statements, the machine details including serial number, hours and year, and the supplier invoice or quote. If the work is contracted, the contract or purchase order helps. We confirm exactly what your lender match needs after a quick call.