Finance question
Can I finance construction and earthmoving machinery?
Yes. Excavators, dozers, loaders, graders and other earthmoving plant are financed on the machine itself. Asset finance runs up to $500,000, often low-doc, with larger fleets and plant fundable through property-backed finance to the $5 to 6 million range.
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The short answer
The plant is the security
Construction and earthmoving machinery is financed with the machine as security, so the lender's risk sits in the asset rather than only in your accounts. That covers excavators, dozers, loaders, graders, skid steers, rollers and attachments, whether you are buying new or adding good used plant to the fleet to take on more work.
Asset finance runs up to $500,000 and often low-doc or no-doc, with approvals inside 24 to 48 hours, which matters when a job is won and the machine is needed on site for the start date. For larger purchases or several machines at once, property-backed finance can fund the deal up to the $5 to 6 million range at single-digit rates, secured against residential or commercial property.
Ventas is a broker across 40+ lenders, not a single bank with one policy. We match the machine, its age and hours, and your paperwork to the lender with the right appetite, subject to lender assessment. There is no upfront fee to you; the lender pays us on settlement, so our job is to structure the deal and advocate for approval on sound terms.
Do you qualify?
What an earthmoving machinery deal usually needs.
A specific machine
The excavator, dozer or loader being financed.
An active ABN
Sole traders and companies both qualify.
New or used
Both are financed on the asset value.
Property for bigger deals
Real estate can back plant or fleets above $500,000.
Why earthmoving plant finances on the asset
Security in the machine
The plant carries the risk, not just your figures.
Fast to approve
Low-doc deals often clear in 24 to 48 hours.
Scales with property
Larger fleets fund to the $5 to 6 million range against real estate.
A real example
A civil contractor wins a job and needs a used 20-tonne excavator at $150,000. Financed on the machine, low-doc, approved inside 48 hours and on site for the start date, with the excavator as the security. A multi-machine order above that would instead be structured against property to reach the higher amount. Illustrative only.
Common questions
Frequently asked questions
Can I finance used earthmoving machinery?
Often yes. New and used plant are both financed on the asset value, subject to lender assessment.
Can I finance more than one machine?
Yes. Several machines can be funded, and larger orders can be structured against property to the $5 to 6 million range.
Do I need a deposit?
Not always. Many deals settle with no deposit, though one can widen your options.
How fast is approval?
Many asset-finance deals are approved within 24 to 48 hours.