Dig in without draining the bank.
From a three-tonne digger to a full civil fleet — one application, 80+ lenders, and excavator finance structured around the jobs you're winning.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Put the machine to work, not your cashflow.
An excavator earns its keep the day it hits the dirt, so it shouldn't swallow the cash you need for fuel, wages and the next mobilisation. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders to fund the digger at a repayment that suits your run of work.
We arrange finance for new, used and private-sale machines — from mini-excavators through to 30-tonne-plus earthmoving plant — and structure it as a chattel mortgage, hire purchase or rental to suit your GST, depreciation and accountant's advice. That keeps your working capital free for tickets, tyres and attachments.
Because we shop the whole panel, lenders assess machine hours, age and make against your civil contracts, and used gear that a single bank might knock back can still find a home. Wet or dry hire operators, owner-drivers and growing civil crews all get the same plain-English treatment, and we only lodge once you're ready.
Why finance an excavator with X Lend.
80+ lenders, one application
We compare commercial and asset lenders in one go to match your machine to the sharpest available rate.
New, used and private sales
We arrange finance for dealer, auction and private-sale excavators, not just new purchases.
Low-doc to $500K
Established civil businesses can often finance significant plant without full financials.
Machine-hours specialists
We place higher-hour and older machines with lenders comfortable pricing them, rather than an automatic decline.
Tax-effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
Fast settlement
Many earthmoving deals settle in 48 to 72 hours so the machine gets on site and earning sooner.
What you can finance.
If it moves earth or muck, we can usually finance it. We arrange finance for:
- Mini and midi excavators for tight-access work
- Standard 8 to 30-tonne earthmoving excavators
- Large civil and quarry excavators
- Wheeled and long-reach excavators
- Buckets, hammers, augers and attachments
- Used, ex-hire and auction machines
- Private-sale purchases between operators
- Wet and dry hire fleet additions
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare 80+ banks and non-bank lenders and place your excavator finance with the best fit for your business.
Usually, yes. Lenders assess the machine's age, hours and service history, and many are comfortable funding used and ex-hire units. We match your machine to the lenders most at ease with it.
Yes. We arrange finance for private-sale excavators, handling the inspection and ownership checks so the deal settles cleanly.
Often, yes. Established ABNs can frequently access low-doc options up to set limits on trading history alone. We match you to lenders comfortable with your civil work.
Many excavator deals get a same-day decision and settle within 48 to 72 hours once documents and machine details are in.