Construction Equipment Finance.
Excavators, dozers, graders, wheel loaders, skid steers, ADTs, telehandlers, cranes, concrete pumps and compaction plant. Finance built for how civil and earthmoving operators actually work.
12 asset types in construction.
Each asset has its own finance pathway, price range and typical deal size. Click through to see structures, lender appetite and FAQs for the specific machine you’re considering.
Excavator Finance
From 1.5-tonne mini excavators through to 80-tonne civil workhorses, excavators are the single most financed machine in the TMF book. We str…
Dozer Finance
Track and wheel dozers for bulk earthmoving, site preparation, land clearing, and mine overburden. Long-life assets that finance well across…
Grader Finance
Motor graders for road construction, maintenance, and civil works. Long-cycle assets with predictable lender appetite.…
Wheel Loader Finance
Front-end wheel loaders for quarrying, civil, materials handling, and waste operations. Versatile assets with strong residual values.…
Articulated Dump Truck Finance
ADTs for large-scale earthmoving, mining, and quarry haul operations. High-capacity assets with specialised finance structures.…
Skid Steer Finance
Compact skid steers and track loaders for trades, landscaping, and tight-access civil work. Fast-approval asset class.…
Mini Excavator Finance
Mini excavators under 6 tonnes — the go-to asset for plumbers, landscapers, and domestic civil operators. Fast-track TMF finance category.…
Backhoe Loader Finance
Combined backhoe loaders for trades, councils and small civil work. The Swiss Army knife of compact site machinery — front loader plus rear …
Telehandler Finance
Telescopic handlers for construction, materials handling, agriculture and roofing. Versatile reach and lift capability for site logistics an…
Mobile Crane Finance
All-terrain mobile cranes, city cranes and rough-terrain cranes. Crane-hire and project-based finance structures with progress draws for sta…
Concrete Pump Finance
Truck-mounted concrete boom pumps and trailer-mounted line pumps. Boom reaches from 24m through to 70m+ for residential, commercial and civi…
Compaction Roller Finance
Smooth-drum, padfoot and pneumatic rollers for road construction, civil works and earthworks compaction. Self-propelled and tow-behind confi…
Financing construction.
Civil and earthmoving plant should be financed around the project, not the calendar. We align structures to contract revenue and replacement timing so finance never sits on the critical path of a job.
Chattel mortgage
Own the machine from settlement with the GST claimed upfront — the default for plant that will stay in the fleet.
Contract-aligned facility
Repayments structured against fixed project revenue, with balloons matched to contract end dates.
Balloon / residual
Defer 10–40% to the end of the term to ease monthly commitments on newer machines.
- →Terms typically run 1–7 years.
- →Lenders commonly fund machines to around 20 years of age at end of term; older units assessed case by case.
- →Used, ex-hire and private-sale plant is standard work.
- →Larger or specialist assets such as cranes need stronger documentation and a current valuation.