Finance question
Equipment finance for civil contractors?
Yes. Excavators, tip trucks, graders, rollers, dozers, skid steers, compactors and attachments are all financeable. Because the machine secures the loan, deals often approve in 24 to 48 hours, low-doc, up to $500,000, with larger plant able to step up from there.
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The short answer
Get the plant on site to win the next job
Civil work runs on earthmoving plant, and it is exactly what asset finance is built for. Excavators of every size, tip and dump trucks, graders, rollers and compactors, dozers, skid steers and posi-tracks, wheel loaders, water carts and the buckets, hammers and attachments that go with them all qualify. Because each machine secures its own loan, the lender's risk sits in the plant rather than only in your accounts.
That security keeps approvals fast. A straightforward machine purchase often clears in 24 to 48 hours on a low-doc basis, and deals under a lender's threshold can settle with no financials, just your ABN, ID and the supplier invoice. When you are tendering or already on a job, you can get plant on site without tying up the cash the project needs.
Ventas is a broker, not a lender. We run your deal across 40+ lenders and place it with one that understands civil and earthmoving plant, with no upfront fee to you because the lender pays us on settlement. Owner-operators and larger civil companies both qualify.
Do you qualify?
What a civil deal usually needs.
The plant to fund
Excavators, tip trucks, graders, rollers or skid steers.
An active ABN
Owner-operators and civil companies both qualify.
New or used machines
New plant or quality used gear, dealer or private sale.
A supplier invoice
The machine quote is often the only paperwork needed.
Why finance suits a civil contractor
Pay from the job rate
Repayments spread the machine over the hours it works on site.
Bid with the plant to deliver
Fund the gear a tender needs so you can take the work on.
Grow the fleet per contract
Add an excavator or tip truck as new scopes come online.
A real example
A civil contractor wins a subdivision earthworks package and needs a 13 tonne excavator and a tandem tip truck, around $260,000 together. Financed across both machines, low-doc, approved in a couple of days. Repayments are set against the hours the plant bills on the job. Illustrative only.
Common questions
Frequently asked questions
Can I finance used civil plant?
Yes. Quality second-hand excavators, tip trucks and rollers are commonly financed, including private sales, subject to lender assessment.
What if the machine costs more than $500,000?
Larger plant can often be structured above the standard threshold. We match higher-value deals to lenders with the appetite for them.
Can I get finance sorted before I win the tender?
Yes. Pre-approval can put you in a position to bid and buy quickly, subject to lender assessment.
How fast can I have plant on site?
Straightforward deals often approve in 24 to 48 hours, so the machine can be working within days.