CAT 320 GC Excavator
High-demand excavator for civil works, trenching, and general site excavation.
Typical asset range: $300,000 to $430,000
Finance this modelCaterpillar Finance Australia 2026
Compare finance options for new and used Caterpillar equipment, structure repayments for project cash flow, and access potential tax benefits available to eligible Australian businesses.
- Independent lender comparison
- No brokerage fee to borrowers
- Specialist earthmoving finance support
- Fast turnaround on complete applications
Finance Caterpillar Equipment for Civil and Construction Projects
Caterpillar machinery is core equipment for many Australian contractors in civil, earthmoving, and infrastructure work. We help eligible businesses compare suitable options across chattel mortgage (also called a commercial goods loan by many banks), finance lease, operating lease, and rent to own.
Whether you are purchasing an excavator, wheel loader, dozer, or grader, we can structure finance around your project pipeline, ownership goals, and operational cash flow.
Popular Caterpillar Models in Australia
CAT 336 Excavator
Heavy-duty excavator for production digging and large-scale earthmoving contracts.
Typical asset range: $520,000 to $760,000
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CAT 950 Loader
Wheel loader suited to quarry, bulk handling, and high-cycle loading operations.
Typical asset range: $450,000 to $680,000
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CAT D6 Dozer
Dozer platform for pad prep, land clearing, and road base formation work.
Typical asset range: $600,000 to $900,000
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CAT 259D Compact Track Loader
Compact track loader for site prep, landscaping, and tight-access projects.
Typical asset range: $110,000 to $180,000
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CAT 140 Motor Grader
Motor grader for road maintenance, final trim, and surface profiling applications.
Typical asset range: $480,000 to $760,000
Finance this modelCompare Caterpillar Finance Options
The right structure depends on ownership plans, utilisation, project profile, and accounting treatment. Chattel mortgage and commercial goods loan usually refer to the same legal structure.
| Feature | Chattel Mortgage (Commercial Goods Loan) | Finance Lease | Operating Lease |
|---|---|---|---|
| Ownership at start | Borrower owns asset | Lender owns asset | Lender owns asset |
| GST treatment | GST may be claimable upfront by eligible businesses | GST generally applied to lease rentals | GST generally applied to lease rentals |
| Balloon or residual | Optional balloon may be available | Residual typically applies | Residual and hand-back terms depend on contract |
| Potential deductions | Interest and depreciation may be deductible | Lease payments may be deductible | Lease payments may be deductible |
| Best for | Businesses that want immediate ownership | Businesses balancing cash flow with ownership flexibility | Businesses focused on use rather than ownership |
| End-of-term outcome | Asset remains with borrower | Option to purchase or refinance residual | Return, renew, or purchase options (contract dependent) |
Tax treatment depends on eligibility, business structure, and current legislation. Instant asset write-off and other depreciation incentives may apply subject to ATO rules at the time of purchase. This page is general information only and is not tax advice.
Rent to Own Caterpillar Equipment
Rent to own can support contractors who need equipment quickly and want flexibility before committing to longer-term ownership pathways. It may suit eligible ABN holders with shorter trading history, depending on asset profile and credit assessment.
Approval, pricing, and term options vary between providers and are never guaranteed.
Finance This Caterpillar Listing
Paste any Caterpillar listing from Machinery Marketplace or Gumtree and we will use the listing details to assess suitable finance pathways.
Caterpillar Finance Calculator
Use our calculator to model estimated repayments with earthmoving-aligned presets. For final pricing and structure, request a quote.
Why Businesses Choose Asset Finance Australia
- One process to compare suitable lender options side by side
- No brokerage fee charged to borrowers
- Specialist understanding of earthmoving and construction equipment
- Fast handling on complete and eligible applications
- Clear guidance on documentation and settlement steps
Get a Caterpillar Finance Quote
Tell us what you are buying and we will come back with suitable options.
Caterpillar Finance FAQs
Can I finance used Caterpillar equipment?
Yes. Many lenders finance used Caterpillar assets, with terms based on age, condition, and business profile.
What terms are common for Caterpillar earthmoving finance?
Terms vary by lender and asset profile, often with structures aligned to expected usage and residual value.
Is a balloon payment suitable for Caterpillar equipment?
Balloon options may be available and can help manage monthly repayments where the asset profile and lender policy allow.
Can newer ABN businesses apply?
Newer businesses may be eligible depending on the equipment, contract pipeline, and lender credit criteria.
What is the difference between chattel mortgage and finance lease?
With chattel mortgage, the borrower owns the asset from settlement. With finance lease, the lender owns the asset and the borrower pays lease rentals during the term.
How fast can Caterpillar finance be approved?
Timeframes vary. Complete and well-documented applications are often assessed faster than complex applications.
Important Information
Information on this page is general in nature and does not take into account your objectives, financial situation, or needs. You should consider independent accounting, legal, and financial advice.
Caterpillar and CAT are trademarks of Caterpillar Inc. Asset Finance Australia is an independent finance broker and is not affiliated with, endorsed by, or acting on behalf of Caterpillar Inc.