Earthmoving Equipment Finance
Finance bulldozers, motor graders, skid steers, compactors, and all earthmoving plant. New machines and quality used equipment — including high-hour machines from specialist lenders. Fast approvals for civil contractors, construction companies, farmers, and owner-operators.
High-hour machines considered by specialist lenders. New & used.
Finance the Plant That Gets the Job Done
Earthmoving equipment is one of the largest capital investments in civil construction, land development, mining services, and large-scale agriculture. Whether you are a civil contractor needing a new dozer for a subdivision job, a farmer clearing land for cropping, or an owner-operator building a fleet of equipment for hire, having the right finance structure makes a significant difference to your business.
At Your Lending Friend, we work with equipment lenders who understand earthmoving plant — including the reality that high-hour machines with strong service histories are often worth financing, and that used equipment from reputable dealers can be an excellent business investment.
From chattel mortgage and finance lease to operating lease and sale and leaseback for existing equipment, we will find the right structure for your situation.
Earthmoving Equipment We Finance
Bulldozers
Track bulldozers from Caterpillar, Komatsu, John Deere, and Case. Small D3/D4 size up to large D8/D9 class. New and used.
Motor Graders
Road graders and motor graders for civil work, road construction, and land forming. Caterpillar, Komatsu, John Deere, and XCMG models.
Skid Steers & Bobcats
Bobcat, Caterpillar, Manitou, JCB, and other brands. Wheeled and track skid steers, compact track loaders. Popular with contractors, landscapers, and farmers.
Compactors & Rollers
Vibratory soil compactors, sheepsfoot rollers, padfoot compactors, asphalt rollers. Dynapac, Caterpillar, HAMM, and Bomag.
Backhoe Loaders
JCB, Caterpillar, Case, and Terex backhoe loaders. Versatile machines for earthworks, civil, and farm applications.
Other Earthmoving Plant
Wheel loaders, motor scrapers, trenchers, road planers, and other earthmoving machinery. If it moves earth, we can likely finance it.
Who We Help Finance Earthmoving Equipment
Civil Contractors
Subdivisions, road construction, earthworks contracts. We understand project-based income and can structure finance to suit civil contracting cash flows.
Owner-Operators
Buying your first machine or expanding your plant hire fleet? We work with lenders who consider owner-operators and new ABN holders with relevant experience.
Farmers & Primary Producers
Land clearing, dam construction, farm road maintenance, and earthworks on rural properties. Chattel mortgage available for GST-registered primary producers.
Construction Companies
Adding capacity to an existing fleet? Replacing aging plant? Full doc or low doc options available depending on your business documentation.
Finance Structures for Earthmoving Equipment
Chattel Mortgage
Immediate ownership, claim full GST upfront (if GST registered), fixed rate and term, balloon payment option to reduce monthly commitments. Most common for GST-registered businesses.
Finance Lease
Lender owns the equipment during the term, you use it exclusively. GST claimed over the lease term. Residual payment at end to own outright or hand back. Good for businesses wanting to keep equipment off the balance sheet.
Sale & Leaseback
Already own earthmoving equipment and need cash? Sell the asset to a lender and lease it back. Frees up equity while retaining full use of the machine.
Earthmoving Finance at a Glance
Balloon payment options available to reduce monthly repayments.
How Earthmoving Equipment Finance Works
A straightforward process from enquiry to settlement
Tell Us About the Equipment
Make, model, year, hours, and whether it's new or used. Dealer purchase or private sale? We'll advise what documentation is needed.
We Source the Right Lender
Earthmoving plant lenders are a specialist subset. We know which ones consider high-hour machines, which lenders have the best rates for new equipment, and which accept private sale purchases.
Choose Your Structure
Chattel mortgage, finance lease, or sale and leaseback? We'll explain the tax and cash flow implications and help you decide.
Get Your Equipment Working
Fast approvals for straightforward applications. We handle the paperwork so you can focus on the project.
Checking your options won't affect your credit score
Earthmoving Equipment Finance FAQs
Common questions about financing earthmoving plant
Yes. Specialist equipment lenders assess earthmoving plant on working condition and service history, not just age and hours. A well-maintained dozer with 10,000 hours can be a better asset than a neglected machine with 5,000. We will advise what lenders can consider based on the specific machine.
Yes, though it's more complex than a dealer purchase. Lender...
Yes, though it's more complex than a dealer purchase. Lenders want documented proof of the machine's condition and value — a dealer inspection report or independent valuation helps significantly. Dealer sales are simpler and often allow better loan-to-value ratios.
New equipment from a dealer: 10-20% typically. Used or high-...
New equipment from a dealer: 10-20% typically. Used or high-hour equipment: 20-30% or more depending on the lender and asset. The deposit reduces the lender's risk and often means better rates and easier approval.
Yes, many earthmoving equipment loans include balloon (resid...
Yes, many earthmoving equipment loans include balloon (residual) payments — a larger lump sum at the end of the loan that reduces the monthly repayments. This suits businesses with project-based income or who expect to refinance or sell the equipment before the loan ends.
New businesses face stricter criteria, but it's possible — p...
New businesses face stricter criteria, but it's possible — particularly with a solid deposit, industry experience, and evidence of work lined up. We'll match you with lenders who consider new businesses and advise what documentation will help your application.
Still have questions? Contact our friendly team