Finance excavators, loaders, dozers and graders for your next civil project. Compare chattel mortgage, finance lease and operating lease from a broad lender panel. Application requirements explained, Australia-wide.
1300 122 211Earthmoving equipment is the backbone of Australian civil construction, mining, and land development. Asset Finance Australia helps operators, contractors, and companies access competitive finance for CAT, Komatsu, Kubota, Bobcat, and JCB machinery — with lender evidence requirements explained.
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Earthmoving equipment is central to Australian civil construction, mining and land development. Compare finance pathways for CAT, Komatsu, Kubota, Bobcat and JCB machinery by asset age, useful life, seller, deposit and business profile.
Earthmoving Equipment finance is commonly used across the following sectors:
Whether you’re purchasing one machine or building a fleet, compare the complete structure: term, balloon or residual, fees, payout method, security and total amount payable. Lender assessment time depends on the application and any valuation or seller checks.
GST credit, interest deduction, depreciation & $20K write-off guide.
Indicative equipment finance planning ranges by asset type and borrower profile.
Complete 2026 guide to Australia’s most popular asset finance structure.
Repayments by weight class, five-year total cost and depreciation questions.
Almost all commercially used earthmoving equipment can be financed, including new and used equipment from major manufacturers. Finance is available for individual units and fleets, and many lenders can include attachments, delivery and installation costs in the same facility.
There is no universally best structure. A chattel mortgage can suit businesses that want ownership, while lease structures can suit different cash-flow, usage and replacement objectives. Compare total cost, end-of-term obligations and eligible tax treatment.
Indicative rates for earthmoving equipment finance start from around 6.29% p.a. on a chattel mortgage. The actual rate depends on your credit profile, business trading history, asset age, and chosen lender. Use our free calculator to estimate repayments, then request a broker quote for your exact rate.
Yes — specialist lenders cater for businesses with less-than-perfect credit or short trading history. A larger deposit (10–20%) can improve approval odds and reduce the rate. A broker can identify the right lender for your situation and structure your application for the best outcome.
Under a chattel mortgage, you pay the full purchase price (GST included) and then claim the GST in your next BAS return. Under a finance lease, GST is spread across rental payments. Confirm with your accountant which structure best suits your GST reporting cycle.
Get a free, no-obligation quote from a specialist equipment finance broker. We assess relevant lender options — takes 2 minutes.
Send the transaction details for review. Enquiring does not itself create a lender submission.
Reviewed by David Blackman — Specialist Asset & Equipment Finance Broker, 20+ years banking & fleet experience. Last reviewed: 8 July 2026.
This page is general information only — not tax, legal or credit advice. Confirm tax treatment with your accountant. See the ATO on GST credits and Moneysmart (ASIC).