Finance question
Can I finance an excavator attachment?
Yes. Buckets, hydraulic breakers, augers, grapples, tilt hitches and mulchers are all fundable assets in their own right, secured by the attachment itself. You can finance them on their own or bundle them with the machine on one facility. Many deals settle low-doc with no financials, subject to lender assessment.
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The short answer
The attachment is its own fundable asset
You do not have to buy an attachment outright just because it is smaller than the machine. A hydraulic breaker, an auger drive, a mulching head, a grapple, a compaction plate or a tilt hitch is a real capital item, often several thousand to tens of thousands of dollars, and it can be financed on its own with the attachment as the security. That turns a single tool into a new earning capability without draining the cash you need for fuel, parts and wages.
Attachments unlock new work, which is the whole point of buying them. A breaker lets an excavator take on rock and concrete demolition, a mulcher opens up land clearing and fire-break work, a grapple suits demolition sorting and an auger wins fencing, solar and footing jobs. Financing the attachment means the work it brings in helps cover the repayment, rather than the cost landing all at once before the first job is even quoted.
It can go with the machine or stand alone. If you are buying an excavator, skid steer or loader, the attachments can be bundled into the same facility so it is all on one agreement. If you already own the machine and just need the tool, we can finance the attachment by itself and match it to a lender comfortable with the deal size, since smaller stand-alone items suit some lenders better than others.
Do you qualify?
What makes an attachment deal fundable.
The attachment itself
Breaker, auger, grapple, mulcher, tilt hitch or bucket set.
An active ABN
Sole traders and companies both qualify.
On its own or bundled
Finance solo or alongside the excavator.
Low-doc option
Many attachment deals settle with no financials.
Why attachments finance well
A real asset
A breaker or mulcher holds value and secures its own finance.
Unlocks new work
The right attachment wins jobs that help cover the repayment.
Solo or bundled
Finance it alone or add it to the machine on one facility.
A real example
An excavation contractor already owns the digger but needs a $18,000 hydraulic breaker to take on a rock-heavy job. Rather than pay cash, the breaker is financed on its own, secured on the attachment itself. Matched to a low-doc lender and packaged with the new job, it was approved quickly. Illustrative only.
Common questions
Frequently asked questions
Can I finance an attachment on its own?
Yes. A breaker, auger, grapple or mulcher is a fundable asset in its own right and secures its own finance.
Can I bundle attachments with the excavator?
Yes. If you are buying the machine too, the attachments can go into the same facility.
Do I need financials to finance an attachment?
Often no. Because the attachment secures the loan, many deals settle low-doc or no-doc with the right lender.
Can I finance a used attachment?
Yes. Good used attachments hold value, so lenders are comfortable securing against them, whether from a dealer, an auction or a private sale. A quick check that the hitch and hydraulics suit your machine is worth doing first.