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 structure around the work the machine will earn — not just its sticker price.
What we do for excavators.
TMF arranges excavator finance for Australian operators across the category price range of $60K – $1.8M, with typical deals around $280K. Structures include chattel mortgage, equipment lease, and contract-aligned balloon arrangements through a panel of 40+ lenders nationwide.
How the deal usually works.
Typical buyers
- ●Civil subcontractors expanding onto larger earthworks packages
- ●Trade operators moving from hire to own
- ●Plant-hire fleets replacing ageing units mid-cycle
How the deal is usually structured
Used excavators with verified hours and recent service history finance comfortably to 7-year terms. New units often pair well with seasonal balloon structures aligned to contract end-dates.
Pairs well with used equipment finance and private-sale arrangements.
Live projects needing this machine.
Every project below is actively contracting. TMF pairs finance to the work programme.
Live projects you could service
See the full tracker →Hunter–Central Coast Renewable Energy Zone
Energy & Renewables
Western Sydney International Airport
Aviation & Infrastructure
Inland Rail — Melbourne to Brisbane
Rail & Freight
Osborne Naval Shipyard Expansion
Defence & Maritime
North East Link
Roads & Tunnels
West Gate Tunnel
Roads & Tunnels
Answers operators ask first.
Can I finance a used excavator from a private seller?+
Yes. Private-sale finance for used excavators is standard TMF work. The machine needs a recent inspection and evidence of service history; we handle the paperwork and lender coordination.
How long can I finance an excavator for?+
Terms typically run 3 to 7 years. Newer machines under 3 years old can often stretch longer. Contract-aligned balloon structures can reduce monthly commitments against fixed project revenue.