Construction Equipment Finance Australia
Finance excavators, loaders, skid steers, dozers, graders, rollers, backhoes and more through a panel of over 75 Australian lenders. Whether you’re purchasing new, used or from a private seller, Asset Finance Avenue helps construction businesses and owner-operators access tailored finance solutions Australia-wide.
- 1,000+ Happy Customers Confidence backed by real results.
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7 Days a Week Service
We’re here when it suits you
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$100m+ Financed
Proven experience in tailored finance
Finance Solutions Built For The Construction Industry
Whether you’re replacing ageing machinery, expanding your fleet or starting a new contracting business, access to the right equipment can be the difference between winning work and missing opportunities.
At Asset Finance Avenue, we help construction companies, earthmoving contractors, civil businesses and owner-operators finance the equipment they need to keep projects moving. From compact machines through to large civil equipment worth millions of dollars, we compare finance options across more than 75 Australian lenders to help find a solution suited to your business.
We regularly assist businesses purchasing equipment from dealerships, auctions and private sellers, with finance available for both new and used machinery. Whether you’re buying your first excavator or adding another machine to an established fleet, we’ll guide you through the process from application to settlement.
Earth Moving Equipment
Loaders
We provide flexible loader finance solutions designed to suit your business. We arrange competitive finance for loaders, wheel loaders, skid steer loaders, track loaders, Posi Track loaders, and telehandlers, helping businesses secure the equipment they need without placing unnecessary pressure on cash flow. Our loader finance options are available for both new and used machinery from leading manufacturers including Caterpillar, Bobcat, Case, JCB, Kubota, New Holland, John Deere, Volvo, Komatsu, Hyundai, ASV, Takeuchi, Manitou, Merlo, Dieci, and Genie. Whether you’re purchasing from a dealer, private seller, or auction, we can assist with loader loans, skid steer finance, telehandler finance, equipment finance, chattel mortgages, commercial hire purchase, finance leases, and low-doc finance options for eligible businesses. With access to an extensive panel of lenders, we compare finance options to help you secure competitive interest rates, flexible repayments, and fast approvals. If you’re searching for loader finance, wheel loader finance, skid steer finance, track loader finance, Posi Track finance, telehandler finance, construction equipment finance, earthmoving equipment finance, or heavy machinery loans, our experienced finance brokers can help you find the right solution quickly and with minimal hassle.
Civil Equipment
Whether you’re tendering for major infrastructure projects, expanding your civil contracting fleet, or replacing ageing machinery, we provide tailored civil equipment finance to help your business acquire the right equipment while preserving working capital. We finance a wide range of civil and road construction machinery, including dozers, motor graders, rollers, compactors, water carts, and scrapers for contractors, earthmoving businesses, local councils, mining operations, and infrastructure companies. Finance is available for both new and used equipment sourced from dealerships, private vendors, or machinery auctions, with access to leading brands such as Caterpillar, Komatsu, John Deere, Volvo, CASE, Liebherr, Bomag, Hamm, Dynapac, Wirtgen, Bell, and John Deere. We offer flexible funding solutions including equipment loans, chattel mortgages, finance leases, commercial hire purchase, and low-doc finance for eligible businesses. Our specialist brokers compare lenders on your behalf to secure competitive rates, fast approvals, and repayment structures that align with your project’s cash flow. Whether you’re searching for dozer finance, grader finance, roller finance, compactor finance, water cart finance, scraper finance, civil construction equipment finance, road construction machinery finance, or heavy equipment loans, we’ll help you secure the finance you need to keep your projects moving forward.
Why Use Asset Finance Avenue?
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Broad panel of Australian lenders
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Private seller and interstate purchase specialists
- Flexible loan structures available
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Fast, simple and stress-free process
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Australia-wide service
- Low Doc options available
- Experienced with civil and earthmoving industries
Frequently Asked Questions
Absolutely. Starting a business doesn’t automatically prevent you from obtaining finance. If you’ve recently moved from PAYG employment into contracting, secured upcoming work, or have relevant industry experience, there may be lenders willing to consider your application. We regularly help new earthmoving and civil contractors purchase their first machine and can discuss the options available based on your individual circumstances.
Yes. Many people find better value buying directly from another business or owner-operator rather than a dealership. We regularly assist with private seller purchases, provided the equipment meets lender requirements regarding age, condition and valuation. We’ll also guide both buyer and seller through the settlement process to help ensure everything runs smoothly.
Yes – and we strongly recommend it. Auction purchases often require payment within a very short timeframe, so having finance organised beforehand gives you confidence to bid within your budget. We can discuss indicative borrowing capacity before the auction and, where possible, help have finance ready if you’re the successful bidder.
In many cases, yes. Depending on the lender and the purchase, attachments that form part of the equipment package can often be included in the finance. This may include tilt buckets, hydraulic hammers, augers, grapples and other commonly used attachments, allowing you to spread the cost over the life of the loan rather than paying for everything upfront.
YES! Not every lender has the same documentation requirements. Some lenders offer low-documentation options for eligible businesses, while others may consider recent bank statements, BAS or other supporting information instead of fully lodged financials. We’ll discuss your circumstances and identify lenders whose policies are most suited to your business.
Both new and used equipment can often be financed. Many businesses choose quality used machinery because it offers excellent value and lower depreciation. Lender policies vary depending on the equipment’s age, condition and intended use, but we regularly assist clients purchasing well-maintained used excavators, loaders, graders and other construction equipment.
No. While owning property can strengthen some applications, many clients obtain finance without offering residential property as security. The equipment itself often acts as the primary security for the loan, with the assessment focusing on your business, financial position and ability to service the repayments.
Yes. If you already own construction equipment, refinancing may allow you to reduce repayments, consolidate existing finance or release equity to help fund additional equipment or business growth. Whether refinancing is appropriate depends on your current loan, the equipment’s value and your business objectives.
Choosing The Right Finance Structure Matters!
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Chattel mortgages
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Finance leases
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Commercial hire purchase (where relevant)
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Balloon payments
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GST implications (high level)
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New vs used equipment
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Dealer vs private seller purchases
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What We Finance...
Earthmoving Attachments
Site Equipment
Civil Equipment
Loaders
Earthmoving Equipment
Owner-Operator Finance
Recent Finance Approvals
Road Grader For Growing Contractor
A Northern Territory civil contractor secured a long-term quarry contract and needed to purchase a motor grader to keep up with demand. Although the business had experienced strong growth, its financial statements had not yet been lodged for the previous two financial years, making several lenders hesitant.
After reviewing the contract, business history and the equipment being purchased, we presented the application to lenders experienced in construction and civil industries. The client secured finance for the grader with no additional property security required, allowing the business to commence work on schedule and continue expanding its operations.
Tracked Conveyer for Civil Project
A civil construction company required a tracked conveyor for a large infrastructure project. Because the equipment was specialised and would remain permanently onsite, lender requirements included additional inspection and verification before settlement.
We coordinated directly with the supplier and lender throughout the approval process, ensuring all documentation and inspections were completed quickly. Finance was approved, allowing the equipment to be delivered without delaying the project timeline.
The First Of Many
A client leaving PAYG employment had secured ongoing subcontracting work and was ready to purchase their first excavator. Like many new businesses, they were concerned that being newly self-employed might limit their finance options.
After reviewing their upcoming contracts, industry experience and financial position, we sourced a lender willing to support the new venture. The excavator was financed, allowing the client to begin trading with their own equipment rather than continuing to hire machinery for each project.
Top Construction Finance Industries We Work With
Earthmoving Contractors
Quarry Operators
Demolition Contractors
Landscaping Businesses
Pipeline Contractors
Plant Hire Businesses
Before Your Ask.....
Here are some of the most common conversations we have with clients before they purchase construction equipment.
Conversion With Customer #3BZ21
They Asked
“I’ve only been in business for 8 months. Can I still finance an excavator?”
We Said
“Absolutely – being a newer business doesn’t automatically mean you’ll be declined.
Some lenders place significant weight on your industry experience, upcoming contracts, cash flow and the type of equipment you’re purchasing, rather than simply how long you’ve held an ABN. We regularly help owner-operators and businesses transitioning from PAYG into contracting secure finance for their first machine.
If you’ve got work lined up and a plan for your business, it’s worth having the conversation. “
Conversion With Customer #2ERE1
They Asked
“The excavator is from Marketplace… Looks tidy as! Can I still finance it?”
We Said
“Yes. In fact, many of our clients buy construction equipment privately because they find better value than what’s available through dealerships.
Provided the equipment meets lender requirements regarding age, condition and valuation, finance may still be available. We’ll also coordinate directly with both the buyer and seller to help make settlement straightforward, so everyone knows exactly what happens and when payment will be made.“
Conversion With Customer #1FQR8
They Asked
“I’ve won the contract! but I need the machine before I can actually start the job.”
We Said
“This is one of the most common conversations we have with new and growing contractors.
Winning the work is often the easy part – the challenge is getting the equipment quickly enough to deliver on the contract. If you’ve secured upcoming work, that information may strengthen your application with some lenders. The earlier we get involved, the more time we have to compare lenders and structure a solution that keeps your project on schedule”
Looking for something else? We can also assist with Manufacturing Equipment & Business Loans!
Ready To Grow Your Fleet?
Consumer Loans
Business Loans
Other Links
AFA Garage
For all enquiries
- 1300 929 859
- Info@AssetFinanceAvenue.com.au
Every finance application is different. The examples above are provided as general case studies only. Approval is always subject to lender criteria and individual circumstances.