Construction Equipment Finance
Keep your projects on track with the right machinery. From excavators and loaders to cranes and concrete equipment, we help construction businesses finance the equipment they need. Competitive rates from 40+ lenders, with low doc and bad credit options available.
Fast approvals. Low doc options. Bad credit considered.
Finance Your Construction Machinery
In construction, having the right equipment at the right time can make or break a project. Whether you're a civil contractor needing an excavator, a builder requiring access equipment, or a concrete specialist upgrading your pump, quality machinery is essential to your success.
At Your Lending Friend, we specialise in construction equipment finance for Australian businesses. We work with lenders who understand the construction industry - including those offering low doc options for busy tradies and contractors, and specialist lenders who consider past credit issues.
Self-employed? ABN only? Bad credit? We have options for all situations.
Equipment We Finance
From compact equipment to heavy machinery
Excavators
From mini excavators to large track machines. Finance for all sizes and brands.
Cat, Komatsu, Hitachi, Kobelco, Volvo
Loaders & Skid Steers
Wheel loaders, skid steer loaders, and compact track loaders for any job site.
Bobcat, Cat, Case, John Deere, Kubota
Cranes & Lifting
Mobile cranes, tower cranes, and lifting equipment for construction projects.
Liebherr, Tadano, Grove, Terex
Earthmoving
Bulldozers, graders, scrapers, and compaction equipment for civil works.
Cat, Komatsu, John Deere, Case
Concrete Equipment
Concrete pumps, mixers, batching plants, and finishing equipment.
Putzmeister, Schwing, Liebherr
Access Equipment
Elevated work platforms, scissor lifts, and boom lifts for working at height.
JLG, Genie, Haulotte, Snorkel
Why Finance Construction Equipment With Us?
We make getting your machinery simple
Fast Approvals
Many applications approved within 24-48 hours. Keep your projects on schedule with quick finance decisions.
New & Used Equipment
Finance brand new machinery or quality used equipment. We work with lenders who understand construction equipment values.
Low Doc Options
Self-employed or prefer minimal paperwork? Low doc options available with just bank statements and BAS.
Bad Credit Considered
Past credit issues? We work with specialist lenders who focus on your business performance, not just your credit score.
Flexible Structures
Chattel mortgage, finance lease, or hire purchase. We help you choose the right structure for your tax situation.
Dealer or Private Sales
Finance equipment from dealers, auctions, or private sales. We can work with your preferred supplier.
Construction Equipment Finance Details
Flexible finance for your business
From compact equipment to heavy machinery fleets
Flexible terms to suit your cash flow and project needs
Finance for new machinery or quality used equipment
How Construction Equipment Finance Works
Getting approved for your equipment loan is straightforward
Tell Us What You Need
Share the equipment details - make, model, new or used, and price. We'll identify lenders who finance construction equipment.
We Compare Lenders
Our specialists search 40+ lenders including those who specialise in construction and heavy equipment finance.
Choose Your Structure
Chattel mortgage, finance lease, or hire purchase? We explain the tax implications and help you decide.
Get Your Equipment
Fast approval and straightforward settlement. Get your machinery on site and working for you.
Checking your options won't affect your credit score
Finance Structures for Construction
Choose the right structure for your tax situation and business needs
Chattel Mortgage
You own the equipment from day one. Claim full GST upfront on your next BAS. Popular with ABN holders.
Best for: Most construction businesses
Finance Lease
Equipment stays off your balance sheet. Lease payments are tax deductible. Option to purchase at end of term.
Best for: Off-balance sheet financing
Hire Purchase
Simple structure with fixed payments. You own the equipment after the final payment. GST claimed over the loan term.
Best for: Straightforward ownership
Not sure which structure suits you? Talk to our team and we'll help you decide.
Construction Equipment Finance FAQs
Common questions about financing construction machinery
We finance virtually all construction equipment including excavators (mini to large), wheel loaders, skid steer loaders, cranes, concrete pumps and mixers, bulldozers, graders, compactors, access equipment (scissor lifts, boom lifts), generators, and more. Both new and used equipment from dealers, auctions, or private sales.
Construction equipment loans typically range from $20,000 to...
Construction equipment loans typically range from $20,000 to $2 million or more, depending on the equipment value and your business financials. We can finance everything from a mini excavator to a fleet of heavy machinery.
Yes. We work with specialist lenders who understand the cons...
Yes. We work with specialist lenders who understand the construction industry. If your business is generating revenue and has good cash flow, we can often find options even with past credit issues, defaults, or previous business difficulties.
Deposit requirements vary by lender and your situation. Many...
Deposit requirements vary by lender and your situation. Many lenders offer no-deposit or low-deposit options for strong applications. Having a 10-20% deposit can help secure better rates or approval with challenging credit.
Yes, we finance both new and used construction equipment. Mo...
Yes, we finance both new and used construction equipment. Most lenders will consider equipment up to 15-20 years old, though terms and rates may vary based on age, condition, and hours. Older equipment may require larger deposits.
For most construction businesses, chattel mortgage is popula...
For most construction businesses, chattel mortgage is popular as you own the equipment from day one and can claim GST upfront on your next BAS. Finance lease keeps the asset off your balance sheet. We recommend discussing with your accountant and our team to choose the right structure.
Equipment finance terms typically range from 2 to 7 years. S...
Equipment finance terms typically range from 2 to 7 years. Shorter terms mean higher repayments but less interest overall. Longer terms improve cash flow but cost more over time. We help you find the right balance for your business.
Yes, we can arrange finance for equipment purchased at aucti...
Yes, we can arrange finance for equipment purchased at auction. Pre-approval is recommended so you know your budget before bidding. We work quickly to meet auction settlement timeframes.
Still have questions? Contact our friendly team