If you’re buying an excavator, upgrading your earthmoving fleet, or need working capital tied to a contract, speed matters. Traditional bank equipment finance can be slow, policy-driven, and difficult to align with short-term opportunities, seasonal cash flow, or complex ownership structures. Contact us today if you need a fast, practical funding path that matches your project timeline.
Secured Lending works with business owners who need a fast, realistic lending decision for Excavator and Earthmoving Finance—especially when timing, documentation, or bank credit policy is the blocker. We speak with clients every week who require finance, and we can outline what’s realistic (and what a lender will focus on) before you spend weeks gathering paperwork.
A non-bank private lender for Excavator and Earthmoving Finance
As a private lender in Australia, our role is to provide a secured loan solution when a bank isn’t the right fit for the transaction, the timing, or the borrower profile.
That often includes earthmoving and civil contractors who are:
- expanding quickly and need funding ahead of “perfect” financials
- managing uneven progress payments or seasonal peaks
- navigating ATO debt or temporary arrears
- buying equipment as part of a bigger property-backed funding strategy
- operating across multiple entities or trust structures
Rather than forcing your deal into a rigid product box, we look at the full picture: security, the purpose of the funds, and how you plan to exit the facility.
Why borrowers choose non-bank funding for earthmoving equipment
Faster approvals when equipment and contracts move quickly
We use our own funds for fast decisions and have an internal property valuation team, which allows us to move quickly—often within 24 hours. That speed can help you secure a machine purchase, meet a mobilisation deadline, or bridge a short-term gap without losing the job.
A more flexible credit approach than bank equipment finance
If you’re profitable but your cash flow is lumpy, BAS is behind, or the transaction involves multiple entities, we can take a pragmatic view. We focus on the overall risk profile, security, and exit strategy—rather than a strict tick-box process often seen in non-bank business loans and traditional bank channels.
Short-term finance designed for opportunity
Earthmoving businesses often need funding for a specific purpose, then repay from refinance, asset sale, retained earnings, or contract cash flow. We specialise in short-term finance of 1 to 24 months, which is often better aligned to project-based borrowing than long-term amortising loans, including situations where private bridging finance is the most suitable structure.
Higher certainty of execution
When a lender can make an internal decision quickly and control the valuation process, you reduce the risk of delays caused by external handoffs. That matters when your seller, dealer, or vendor has deadlines.
How our Excavator and Earthmoving Finance typically works
Secured Lending is a specialist private lender in secured business loans, private mortgages, and bridging loans. For Excavator and Earthmoving Finance, funding is commonly structured as a secured business loan supported by property, with the equipment purchase forming part of the business purpose.
Depending on the scenario, security can be structured via a first mortgage or a second mortgage, with the facility designed around timing, risk, and the exit plan.
Key lending parameters include:
- Over $500 million funded
- Loans from $250k to $10M
- Rates from 9.2% p.a.
- Short-term finance of 1 to 24 months
- We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour
The goal is to match the facility structure to the timing of your purchase or project—then align repayment with a clear exit (such as refinance, sale, or contract cash flow). In many cases, this is assessed under a property-supported private mortgage approach where the property security and exit strategy are central.
Common reasons earthmoving businesses use this type of finance
Business owners typically approach us for funding such as:
- purchasing a new or used excavator, skid steer, loader, dozer, or attachments
- fleet upgrades to take on larger civil, demolition, or subdivision work
- bridging finance to start a project before progress payments land
- working capital support tied to a contract or pipeline
- refinance of existing private debt where the priority is speed and certainty
- consolidation of short-term liabilities to stabilise cash flow
If you’re comparing options, one practical question helps: will the facility help you win the work, deliver the job, and keep the business stable until cash flow normalises?
What we typically need from you (and why)
We keep requirements focused on decision-making, security, and exit. Depending on the deal, we may request:
- a clear loan purpose and amount requested
- details of the excavator or equipment purchase (invoice, quote, or contract if available)
- your business structure and key parties
- evidence of income or contract pipeline where relevant
- a security overview (commonly property details)
- your proposed exit strategy (for example refinance, sale, or cash flow from completed works)
Even if you’re not sure what you can qualify for, we can explain what lenders look for and what to prepare—so you don’t lose momentum while the opportunity is live.
Where we lend
We are a non-bank private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. If your business operates across multiple sites or you’re taking work interstate, we can still assess the transaction based on security, cash flow, and the feasibility of the exit.
Why Secured Lending for Excavator and Earthmoving Finance
When you need Excavator and Earthmoving Finance, you’re usually balancing three pressures: timing, cost, and certainty. Our job is to give you a clear path forward with a secured lending solution that matches the reality of running an earthmoving business—tight deadlines, uneven progress payments, and rapid growth.
If you need guidance on requirements, deal structure, or what’s achievable within your timeline, Secured Lending can help you assess the right secured loan approach and move quickly when the opportunity is live.
Frequently Asked Questions
1) Can the loan cover more than just the excavator—like attachments, delivery, and upfront mobilisation costs?
Yes, in many cases the facility can be structured around the total business purpose, not only the machine itself. If attachments, transport, repairs, insurance, or mobilisation are directly tied to getting the project moving, outline the costs clearly so they can be assessed as part of the request.
2) I’m buying a used machine privately (not through a dealer). Will that be an issue?
Not necessarily. The key is being able to verify what’s being purchased and the transaction details. If you have an invoice, a sale agreement, and clear information on the asset, it’s usually workable—especially when the facility is supported by property and the exit strategy is clear.
3) What does “property-supported” actually mean for an earthmoving loan?
It typically means the loan is secured by real property (often residential, commercial, or industrial), rather than relying only on the equipment. This can make approval faster and more flexible, particularly when the business financials are uneven but the security and exit are strong.
4) How do you look at progress payments and lumpy contract cash flow when assessing serviceability?
We usually want to understand the timing of invoices, expected progress claims, retention amounts, and when cash is actually received. If you can show a contract pipeline or signed work that supports the plan—and the facility term matches the job timing—that can strengthen the assessment.
5) If my BAS is behind or I have an ATO arrangement, is it an automatic “no”?
Not automatically. The focus shifts to the broader risk picture: what caused the arrears, what has changed, whether there’s a workable plan, and how the loan exits. If the facility is helping you stabilise (or complete profitable work), it can still be assessable.
6) What’s a realistic exit strategy for a 1–24 month earthmoving finance facility?
Common exits include refinancing to a longer-term facility once financials catch up, sale of an asset, retained earnings after project completion, or payout from contract cash flow. The strongest exits are specific and time-based—linked to a known event rather than a vague intention to “refinance later.”
