From a 1.7-tonne mini-ex for tight residential sites to a 20-tonne machine for civil work — finance the excavator your jobs demand without tying up your cash.
An excavator is one of the highest-earning pieces of plant you can own. A mini excavator doing residential work at $800–$1,200 per day is generating more than its finance repayments each week. A 5-tonne machine on a civil contract at $2,000–$3,000 per day is paying for itself in days.
Equipment finance means you can take on the jobs that need the right machine — without waiting until you've saved the full purchase price. The machine earns while you pay it off.
Mini Excavator
1–5 tonne
Mid-Size
5–15 tonne
Large Excavator
15–30 tonne
Long Reach
With extended arm
Zero Swing
Compact / tight sites
Attachments
Hammers, grabs, tilts
Based on a 7.9% p.a. comparison rate, no balloon. Your actual rate will depend on lender assessment.
| Machine Value | 3 Years | 5 Years | 7 Years |
|---|---|---|---|
| $35,000 (mini-ex) | ~$1,090/mo | ~$710/mo | ~$540/mo |
| $65,000 (3–5t) | ~$2,020/mo | ~$1,315/mo | ~$1,003/mo |
| $120,000 (mid-size) | ~$3,730/mo | ~$2,430/mo | ~$1,851/mo |
| $200,000 (large) | ~$6,215/mo | ~$4,045/mo | ~$3,085/mo |
Indicative only. Not a credit offer. All finance subject to lender approval. A balloon payment reduces monthly figures — ask about your options.
Finance repayment (5yr): ~$1,315/mo
Day rate on residential jobs: $900–$1,200/day
Working 15 days/month: $13,500–$18,000 gross revenue
After fuel, transport, labour: still well ahead of repayments.
Example only. Results vary by location, utilisation and contract type.
Takes 2 minutes. No impact on credit score to check.
Our finance service is completely free to you. We're paid a commission by the lender — you pay nothing extra for our help arranging your finance.
💡 Tip: Get pre-approved before you go to the machine auction or dealer. Knowing your budget puts you in a strong negotiating position and means you can move fast when the right machine comes up.
Yes. Most lenders will finance both new and used excavators. The machine generally needs to be under 10–15 years old (depending on lender) and in working condition. An independent machine inspection may be required for older or higher-value machines.
For loans under $150,000 (sometimes higher), many lenders offer low-doc or no-doc options — just your ABN, business bank statements, and asset details. This saves significant time and is available to most established businesses. This is subject to lender approval.
No deposit is required in most cases for established businesses with good credit. For newer businesses or higher-value machines, a 10–20% deposit can improve approval chances and reduce repayments.
In most cases, yes. Attachments identified on the invoice can often be financed as part of the same loan. Stand-alone attachment finance is also available in many cases.
A balloon is a lump sum payable at the end of your finance term. Setting a balloon reduces monthly repayments during the term. At the end, you can pay the balloon in cash, refinance it, or use the machine's trade-in value toward it. Ask us about your options.
Most applications are assessed within 24–48 business hours. For machines under $150,000 with an established business, approval can come back faster. Larger machines or complex applications may take a little longer.
Complete the Equipment Finance Readiness Check — takes 2 minutes. Approval typically within 24–48 business hours.