Finance question
Equipment finance for builders and construction?
Yes. Excavators, skid steers, tippers, scaffolding, site sheds and mini loaders are all standard equipment finance, secured against the machine rather than your cash or your home. Deals often settle low-doc or no-doc in 24 to 48 hours, and as a broker we place them across 40+ lenders. No upfront fee to you.
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The short answer
Fund the plant, keep the cash for the site
Construction is capital heavy. An excavator, a skid steer or a tipper can swallow six figures, and tying that up in cash starves the jobs that pay for it. Equipment finance spreads the cost across the machine's working life and keeps your money free for materials, subbies and progress claims.
The machine is the security, so most builder deals run light on paperwork. Many settle low-doc or no-doc on an active ABN, with no financials, just the supplier invoice or auction quote. That matters when you have won a contract and need the plant on the ground before the next progress payment lands.
As a broker we work across 40+ lenders, each with a different appetite for construction plant, hours on the clock and asset age. A newer excavator finances easily, an older one still finds a home with the right lender. We structure the deal and advocate for it, and the lender pays us on settlement.
Do you qualify?
What a construction deal usually needs.
The plant or machine
Excavator, skid steer, tipper, loader, scaffold or site shed to secure it.
An active ABN
Builders, subcontractors and companies all qualify.
Asset details
Make, model, hours and age help us match the right lender.
Deposit optional
Often none needed, though it can help on older plant.
Why builders finance plant instead of buying outright
Cash flow protected
Keep working capital for wages and materials between progress claims.
Secured by the machine
The plant carries the risk, so your other assets usually stay clear.
Move at contract speed
Approvals often in 24 to 48 hours, so the machine is on site when the job starts.
A real example
A builder wins a subdivision civil package and needs a $130,000 excavator and a $60,000 tipper. Rather than drain the account before the first claim, both are financed low-doc, secured on the machines. Approved inside two days, plant on the ground for the start date, paid down as the job runs. Illustrative only.
Common questions
Frequently asked questions
Can I finance used or ex-hire plant?
Usually yes. Used excavators and loaders finance readily; very high hours or age can narrow which lenders will look at it.
Can I finance an auction or private-sale machine?
Often yes, subject to a valuation and lender assessment. We tell you upfront which lenders accept that source.
Do I need financials to buy plant?
Frequently no. Many construction deals settle low-doc or no-doc on the ABN, with the machine as security.
Can I add scaffolding and site sheds too?
Yes. Ancillary gear like scaffold, sheds and generators can be financed alongside the main plant.