Earthmoving & Construction Equipment Finance
WHAT WE FINANCE
Earthmoving & Construction Plant We Finance
We finance all classes of earthmoving and civil construction plant — new, used, and high-hour machines across all major brands:
FINANCE STRUCTURES AVAILABLE
Choose the Right Structure for Your Business
Every structure has different tax, cash flow, and ownership outcomes — we’ll help you choose the right one.
Chattel Mortgage
Own the asset from day one. Claim GST upfront and depreciation benefits. Best for GST-registered contractors who want full ownership and maximum tax efficiency on their earthmoving equipment.
Finance Lease
Lower monthly payments with end-of-term flexibility — upgrade, purchase outright, or return. Ideal for contractors who want to keep up with newer plant technology without committing large capital upfront.
Hire Purchase
Fixed payments over the agreed term with guaranteed ownership at the end. No residual risk. Perfect for operators who want predictable project costs and a clear path to owning their machine outright.
Operating Lease
Off-balance-sheet financing for contractors who want to use equipment for a project period without long-term ownership obligations. Return at end of term and upgrade as required.
Low-Doc Finance
Minimal paperwork for qualifying operators. Available for newer ABNs, growing civil businesses, or operators whose tax returns don’t reflect current capacity. Bank statements often sufficient.
Fleet Funding Lines
Pre-approved credit lines across your plant fleet. Add machines as projects require without a full new application each time. Ideal for civil contractors scaling up to win larger contracts.
WE WORK FOR YOU — NOT THE BANK
WHY EARTHMOVING OPERATORS CHOOSE FOREFRONT
We understand project-based cash flow. Long payment cycles, retention, milestone billing — we build repayment structures around your contract schedule, not a bank’s standard monthly model.
Specialist mining and construction lenders. Our panel includes lenders who specifically focus on yellow goods and heavy plant — meaning better appetite for aged equipment and high-use assets.
Used and second-hand equipment specialists. We regularly finance older Caterpillar, Komatsu, Hitachi, and Liebherr machines that banks won’t touch.
Fast pre-approvals. When an auction closes or a machine becomes available, you need certainty fast. Same-day pre-approvals in most cases.
Australia-wide coverage. From large civil contractors in capital cities to small operators in regional Queensland and WA — we finance earthmoving equipment nationally.
FREQUENTLY ASKED QUESTIONS
Common Questions Answered
Can I finance older or high-hour excavators?
Yes. We work with specialist lenders who understand heavy plant values and are comfortable with aged or high-hour assets that mainstream banks decline. Age, hours, and condition all factor in, but we’ll find the right lender for your specific machine.
Do I need a deposit to finance earthmoving equipment?
Not always. Many lenders offer 100% finance for established operators with good trading history. Deposit requirements vary based on asset age, your ABN history, and lender appetite. We’ll advise what’s achievable upfront.
How quickly can I get approval?
Pre-approval is typically same-day for most applications. Full settlement depends on documentation — most deals complete within 2–5 business days once all paperwork is received. For auction purchases, we can often move faster.
Can I finance equipment purchased at auction?
Yes. Auction purchases are a core part of our business. We’re familiar with all major Australian construction equipment auctions and can structure financing to meet auction payment timelines.
READY TO START?
READY TO FINANCE YOUR NEXT MACHINE?
Get pre-approved today and have your funding structured around your project schedule — not a generic bank template.
