Your Earthmoving Equipment Finance Partner.

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We’re proud to have have been a part of the Earthmoving industry for more than a decade. We’ve financed equipment in almost every state and territory and have an intimate understanding of the space. Our strong connections with Australia's leading lenders allow us to secure the best deal for our clients, ensuring competitive rates and flexible financing options tailored to their needs.

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Here’s a sample of some of the Earthmoving Equipment that we’ve financed over the years:

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• Excavator Finance

• Front-End Loader Finance

• Truck Finance

• Trailer Finance

• Vehicle Finance

• Bobcat Finance

• Forklift Finance

• Skid-steer Finance

• Backhoe Finance

• Bulldozer Finance

• Scraper Finance

• Grader Finance

• And more

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Introduction to Earthmoving

Earthmoving is a crucial aspect of various industries, including construction, mining, and agriculture. It involves the use of heavy machinery to move earth, soil, and other materials from one place to another. Earthmoving equipment, such as excavators, bulldozers, and dump trucks, play a vital role in these industries, enabling businesses to complete projects efficiently and effectively. However, acquiring and maintaining this equipment can be costly, which is where earthmoving equipment finance comes in. Equipment finance allows businesses to obtain the necessary machinery without the burden of paying the full amount upfront, making it a practical solution for managing expenses and ensuring smooth operations.

Understanding Earthmoving Equipment Finance

Earthmoving equipment finance is a type of financing that allows businesses to acquire the equipment they need to operate without having to pay the full amount upfront. This type of financing can be beneficial for businesses that want to conserve their cash flow and maintain a healthy balance sheet. Earthmoving equipment finance can be used to purchase new or used equipment, and it can be structured in various ways, including finance leases, chattel mortgages, and commercial hire purchases. By opting for equipment finance, businesses can spread the cost of the equipment over time, making it easier to manage their finances and invest in other areas of their operations.

Types of Equipment Financing

There are several types of equipment financing options available to businesses, including:​

• Chattel Mortgage: A chattel mortgage is a type of loan that allows businesses to purchase equipment and own it outright. The lender retains a mortgage over the equipment until the loan is repaid. This option is ideal for businesses that want to build their assets and have full ownership of their equipment.

• Commercial Hire Purchase: A commercial hire purchase is a type of loan that allows businesses to purchase equipment over time. The business pays a deposit and then makes regular repayments until the equipment is fully paid for. This option provides a structured repayment plan, making it easier for businesses to budget and manage their finances.

• Finance Lease: A finance lease allows businesses to lease equipment for a fixed period, usually between 2-5 years. At the end of the lease, the business can return the equipment or purchase it at a predetermined price. This option provides flexibility and helps businesses manage their cash flow effectively.

Qualifying for Equipment Finance

To qualify for equipment finance, businesses typically need to meet certain criteria, including:

• A Good Credit History: Lenders will assess a business’s credit history to determine its financial servicing ability. A strong credit history indicates reliability and increases the chances of securing favorable terms.

• A Stable Financial Situation: Businesses need to demonstrate a stable financial situation, including a healthy cash flow and a solid balance sheet. This reassures lenders of the business’s ability to meet repayment obligations.

• A Clear Business Plan: Businesses need to have a clear business plan that outlines their goals and objectives. A well-defined plan shows lenders that the business is well-managed and has a strategic approach to growth.

• Collateral: In some cases, lenders may require collateral, such as other business assets, to secure the loan. Providing collateral can enhance the business’s credibility and improve the chances of loan approval.

Earthmoving Techniques and Applications

Earthmoving techniques and applications vary depending on the industry and the specific project. Some common earthmoving techniques include:

• Excavation: This involves the removal of earth and soil to create a hole or trench. Excavation is commonly used in construction projects for foundations, basements, and utility installations.

• Grading: This involves the use of heavy machinery to level and grade the earth. Grading is essential for creating a stable base for construction projects, roads, and landscaping.

• Hauling: This involves the transportation of earth and soil from one place to another. Hauling is crucial for moving materials to and from construction sites, mining operations, and agricultural fields.

Earthmoving Equipment and Technology

Earthmoving equipment and technology have evolved significantly over the years, with many modern machines featuring advanced technologies, such as GPS and automation. Some common types of earthmoving equipment include:

• Excavators: These are versatile machines that can be used for excavation, grading, and hauling. Excavators are essential for digging trenches, foundations, and other large-scale earthmoving tasks.

• Bulldozers: These are heavy machines that are used for grading and leveling the earth. Bulldozers are ideal for clearing land, preparing construction sites, and moving large quantities of soil.

• Dump Trucks: These are used to transport earth and soil from one place to another. Dump trucks are essential for hauling materials to and from construction sites, mining operations, and agricultural fields. Modern dump trucks often feature advanced technology for improved efficiency and safety.

By understanding the various types of earthmoving equipment and their applications, businesses can make informed decisions about the machinery they need and how to finance it effectively.