Construction Plant Finance
Construction plant finance is tailored for businesses in civil engineering, earthmoving, and building sectors that require heavy machinery. Because these assets are high-value and durable, they serve as excellent security for financiers, often resulting in lower interest rates than general business loans. When we compare options for you, we look at the specific nature of your projects and the type of machinery—whether it's an excavator, a crane, or a fleet of scissor lifts. Lenders in this space typically evaluate the machinery's work capacity and your business's contract pipeline. The main trade-off involves balancing the loan term with the expected maintenance cycle of the plant; shorter terms may have higher repayments but ensure the debt is cleared while the machine is at peak productivity. We connect you with specialist lenders who understand the Australian construction industry's unique demands.
When it makes sense
- Excavators and earthmovers
- Front-end loaders and backhoes
- Scissor lifts and boom lifts
- Concrete pumps and agitators
- Cranes and lifting equipment
- Trenchers and directional drills
- Compaction and road-rolling gear
- Generators and site lighting towers
Indicative terms
| Amount range | 0,000 to $10,000,000+ (indicative) |
| New vs second-hand | Both accepted (indicative) |
| Deposit | 0% to 20% indicative |
| Indicative rate range | 6.90% – 12.50% p.a. (indicative) |
| Term | 1 to 7 years (indicative) |
| Residual/balloon | Up to 30% available (indicative) |
| Documentation | Full doc & Low doc options (indicative) |
| Settlement time | 48 to 96 hours (indicative) |
How it works
- Asset Specification — Tell us about the machinery you need and your current project pipeline. This helps us match you with lenders who understand your specific field.
- Market Search — We look across specialized construction and plant financiers to find the most competitive indicative rates and terms for your business.
- Review Shortlist — We present you with clear options, explaining the differences in fees, residual payments, and documentation requirements.
- Funding & Delivery — Once you approve the choice, we manage the application. The lender pays the equipment dealer directly, so you can get the machine on-site fast.