Finance question
Can I finance a fleet of construction machinery?
Yes. A fleet, several excavators, a dozer, tippers and floats bought together or built up over time, is commonly financed. Each machine can secure its own facility up to $500,000, and larger fleet spends can be structured across multiple lines or supported by property-backed finance up to $5 to 6 million. Subject to lender assessment.
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The short answer
One fleet, a structure that scales
Financing a fleet is not one big loan so much as a set of facilities working together. Each machine, an excavator, a dozer, a set of tippers, a float, holds its own resale value and can secure its own line up to the $500,000 equipment finance limit. Stacked together, that funds a fleet well beyond the cap of any single asset.
For a large fleet build in one hit, or where you want a single facility rather than several, property-backed finance up to the $5 to 6 million range can carry the whole spend at single-digit rates. Many operators run a blend, asset finance on the machines that secure themselves cleanly, and a property-backed line for the balance or for working capital.
The advantage of a broker across 40+ lenders shows most on a fleet. Different machines suit different lenders, one has appetite for yellow goods, another for trucks and floats, another for the total exposure. Spreading the fleet across the right lenders, rather than forcing it all through one, is what keeps the whole package approvable.
Do you qualify?
What a fleet deal is built on.
Multiple machines
Excavators, dozers, tippers, floats, funded as a set.
A mix of lenders
Different machines placed with the lenders that suit them.
Property for scale
A property-backed line can carry a large fleet spend at low rates.
An active ABN
Civil and construction operators qualify.
Why a fleet still finances cleanly
Each asset secures a line
Every machine carries its own facility up to $500,000.
Spread across lenders
40+ lenders means the fleet is not forced through one appetite.
Property lifts the ceiling
A property-backed line can fund the whole fleet up to $5 to 6 million.
A real example
A growing earthworks business needs two excavators, a skid steer and a tandem tipper, around $600k all up. The excavators and tipper each take an asset-secured line, the skid steer a smaller facility, and the total is placed across two lenders that suit each machine. The fleet lands as one coordinated package. Illustrative only.
Common questions
Frequently asked questions
Can I fund a whole fleet at once?
Yes. Each machine can secure its own facility up to $500,000, and a large total can be structured across lenders or on a property-backed line up to $5 to 6 million.
Do all the machines go to one lender?
Not necessarily. Spreading a fleet across the lenders that suit each machine, from 40+ options, often keeps the full package approvable.
Can I add machines to the fleet later?
Yes. New assets can be financed as you acquire them, each secured by the machine, subject to lender assessment.
Do I need financials for a fleet?
Individual asset lines often settle low-doc or no-doc; larger or property-backed structures may need more support depending on the lender.