Excavator Finance
From mini diggers for landscaping to large excavators for major earthworks, we help Australian businesses finance the earthmoving equipment they need. Low doc options, fast approval, and finance structures that work with your tax situation.Finance excavators and earthmoving equipment. Low doc options, fast approval. Mini diggers to large machines.
Low doc options. Fast approval. All equipment sizes.
Earthmoving Equipment Finance
In construction and earthworks, having the right equipment when you need it can make or break a project. Whether you're a one-man band with a mini excavator or running a fleet of heavy machinery, equipment finance helps you grow without tying up all your capital.
At Your Lending Friend, we specialise in construction and earthmoving equipment finance. We work with lenders who understand the industry - from the seasonal nature of work to the value that well-maintained CAT and Komatsu machines hold.
Low doc options available. Bad credit considered. Fast approvals for urgent needs.
Equipment We Finance
From compact mini excavators to large earthmoving machines
Mini Excavators (1-3 Tonne)
Compact machines for tight access work. Popular with landscapers, plumbers, and small contractors.
Midi Excavators (4-10 Tonne)
Versatile mid-size machines. Balance of power and manoeuvrability for general construction.
Standard Excavators (10-20 Tonne)
Workhorse machines for serious earthmoving. Site works, demolition, civil construction.
Large Excavators (20-40 Tonne)
Heavy-duty machines for major projects. Mining, quarrying, large civil works.
Skid Steer Loaders
Compact loaders for tight spaces. Multiple attachment options make them highly versatile.
Wheel Loaders
Front-end loaders for material handling. Quarries, recycling, large sites.
Finance Attachments Too
Don't forget the attachments that make your excavator versatile. We can often include these in your equipment finance for a complete package.
Example Package Finance
How Excavator Finance Works
Getting equipment finance is straightforward
Choose Your Equipment
New or used, mini digger or large excavator - we can finance most earthmoving equipment. Get quotes from dealers or auctions.
Apply Online
Complete our 5-minute application. Low doc? We have options that rely on bank statements rather than tax returns.
Choose Your Structure
Chattel mortgage, hire purchase, or operating lease - we'll explain the tax implications and recommend the best fit.
Start Digging
Fast approvals mean you can get your equipment on site sooner. We settle directly with dealers or auction houses.
Checking your options won't affect your credit score
Finance Structures Explained
Choose the structure that suits your business and tax situation
Chattel Mortgage
Own the equipment from day one. Claim GST upfront and depreciate the asset.
Best for: GST-registered businesses wanting ownership
Hire Purchase
Regular payments with ownership at the end. Simple, straightforward structure.
Best for: Businesses preferring gradual ownership
Finance Lease
Off-balance sheet financing. Lease payments are typically tax-deductible.
Best for: Businesses wanting flexibility at term end
Operating Lease
Rent the equipment for a set term. Return, upgrade, or purchase at the end.
Best for: Equipment you'll upgrade frequently
Not sure which structure suits you? Talk to our team - we'll explain the tax implications of each option.
Low Doc Excavator Finance
Too busy running your business to get tax returns up to date? Our low doc equipment finance options use bank statements and BAS to verify your income. If your business bank account shows solid cash flow, we can work with that.
General Requirements
We Can Help If You Have
Excavator Finance FAQs
Common questions about financing earthmoving equipment
Yes, we work with lenders who consider new businesses, especially if you have relevant industry experience. Having a deposit, contracts lined up, or previous experience operating similar equipment can help your application.
Low doc finance allows you to get approved with minimal pape...
Low doc finance allows you to get approved with minimal paperwork - typically just bank statements and BAS rather than full financials. This is ideal for busy operators who may not have up-to-date tax returns.
Yes, we regularly finance quality used earthmoving equipment...
Yes, we regularly finance quality used earthmoving equipment. Lenders typically consider machines up to 15-20 years old depending on condition and brand. CAT, Komatsu, and other major brands often attract better finance terms.
This depends on your business situation. Buying (chattel mor...
This depends on your business situation. Buying (chattel mortgage/hire purchase) gives you ownership and potential tax benefits like depreciation. Leasing keeps the asset off your balance sheet and offers flexibility to upgrade. We'll help you compare options.
Yes, we can often include buckets, hammers, augers, and othe...
Yes, we can often include buckets, hammers, augers, and other attachments in your equipment finance. Financing the complete package can be simpler than arranging separate finance.
Deposit requirements vary based on your credit profile, busi...
Deposit requirements vary based on your credit profile, business history, and the equipment. Some options require no deposit for established businesses, while newer businesses may need 10-30%. A larger deposit can help secure better rates.
Yes, we can arrange pre-approval for auction purchases so yo...
Yes, we can arrange pre-approval for auction purchases so you can bid with confidence. We settle directly with auction houses like Pickles, Manheim, and Slattery. Let us know before the auction so we can have approval ready.
Eligible businesses may be able to immediately deduct the co...
Eligible businesses may be able to immediately deduct the cost of equipment under the instant asset write-off. Thresholds and eligibility change, so consult your accountant. We can structure finance to maximise your tax benefits.
Many straightforward applications receive approval within 24...
Many straightforward applications receive approval within 24-48 hours. Low doc applications can often be even faster. For urgent needs, let us know and we'll prioritise your application.
Yes, we have options for borrowers with past credit issues. ...
Yes, we have options for borrowers with past credit issues. Specialist lenders focus on your business's current cash flow and ability to service the loan. Having a deposit and strong revenue can help offset credit concerns.
Still have questions? Contact our friendly team