Construction Equipment Finance - Heavy Vehicle Finance Australia

Got A Minute?

Need Fast Construction Equipment Finance? Our finance packages provide quick, hassle free finance approvals for our customers that are involved in the Construction Industry.


We specialise in Construction Equipment finance and can therefore present to our clients a finance solution 95% of the time.

Do you have any questions about Construction Equipment Finance or Construction Equipment Loans? Learn more with the below answers to some of the most commonly asked questions.

Construction Equipment Finance Questions Answered

Yes – even for new start businesses. Only on rare occasions would a deposit be required.

Yes – most finance companies require their customers to have been trading for 2 years before even looking at them. However, we can offer loans to customers with ABN’s that are only one day old.

This form of funding is great for clients that are just starting out in a new business or for an existing business that has exhausted their access to traditional funding lines (generally a fast-growing business).

The only requirements are for client to provide a copy of driver’s licence, Medicare card and bank statements for the last 90 days to confirm funds are available to cover running costs / business expenses. A work source letter might be requested for new starts or for an existing business that will rely on the additional income for servicing.

Client finds the right Construction Equipment and we pay the vendor direct. A rental / lease agreement is drawn up with the client owning the goods outright at end of term with a $1 exit payment.

Most financiers only finance Construction Equipment up to 5 or maybe 10 years old, however we can finance Contruction Equipment up to 20 years old at time of purchase.

Our rates start from 4.05%, however lower rates can be obtained if the finance amount is greater than $500K. A risk loading might be applied for new start ventures or existing business clients that have marginal servicing capacity.

A balloon payment is used to effectively reduce the monthly payments over the term of the loan. Client has the option to (at the end of the loan term) refinance the balloon, payout it out in full or have the dealer pay it out when the Construction Equipment is acquired.

Yes – there can be significant tax benefits with these types of loans.

Chattel mortgage loans and commercial hire purchase loans, depreciation and interest can be claimed as a tax deduction whilst the gst on the purchase can be claimed as in input tax credit.

Operating lease and fully maintained operating lease, the full payment can be claimed as a tax deduction.

No – at Heavy Vehicle Finance you can apply for finance for the following equipment:

  • Trucks
  • Truck Trailers
  • Earthmoving Equipment
  • Construction Equipment
  • Mining Equipment
  • Farming Equipment

A loan application that does not require accountant prepared financial statements or personal tax returns. Instead we might choose to use bank statements for the last 90 days or other low doc parameters.

We have an extensive range of low doc products available to our customers. However, the max amount finance for low doc excavator or heavy equipment finance is $500K. There is no lending limit on a replacement facility as long as the new amount financed does not exceed 25% of the existing loan repayment.

Dealer sale is when the sale of Construction Equipment comes from any of the following vendors

  • licenced excavator or heavy equipment dealer (must have dealer licence number)
  • auction house
  • Construction Equipment manufacturer

Private sale is when Construction Equipment is being sold by a sole trader, partnership or private company.

We provided finance for both private sales and dealer sales.

We specialise in only Construction Equipment finance, whereas other institutions have staff members that work all arears of finance – both personal and business. This means we can offer very specialised and tailored finance products to our customer.

  • Clients can obtain conditional online finance pre-approval within seconds
  • Conditional approval within 24 hours
  • Settlement within 48 hours

Sound Easy?



Why Choose Us For Construction Equipment Finance?

Concrete Pump Finance

  • Industry leaders in providing Heavy Machinery Finance to the Construction Industry

  • Quick turnaround times on both approvals and settlements for construction equipment Finance

  • We are more flexible than the Banks

  • Full doc and low doc Construction Equipment Finance options available

  • We can take enquiries during office hours and urgent enquiries via our after hours number

  • Australia Wide coverage

  • Hassle and stress free experience for our customers

What Construction Equipment Do We Finance?

Please call one of our Finance Consultants on 1300 788 740 to discuss any finance scenarios you might have in relation to Contruction Equipment finance.
For an instant pre-approval, please input your details into our simple ONLINE PRE-APPROVAL form.

We can offer both full doc and low doc finance approvals for most types of Heavy Machinery used in the Construction Industry and can offer the most competitive rates in the equipment finance market. Our finance packages are designed to suit client’s individual needs, as we understand that one size does not fit all.

The ultimate difference between us and other finance providers, is that we really do specialise in the finance of Construction Equipment.

We offer Heavy Equipment Loans for clients operating in the Mining, Transport, Earthmoving and Construction Industries throughout Australia and are industry leaders when assessing deals relating to Heavy Machinery for the Construction Industry.