80+ lenders, one application
We compare banks and specialist asset lenders in one go to find the sharpest rate on heavy plant.
Industries
Earthmoving & Civil Finance
Excavators, tippers and heavy plant, one application across 80+ lenders to fund the machines that win and deliver the job.
Get your quoteThe machine on site is the money on site.
Won a civil contract but need to mobilise fast? Many plant deals get a same day decision and settle within 24 to 72 hours, and established ABNs can often skip the full financials with low doc.
In earthmoving and civil, the gear is the business, an idle excavator earns nothing, and a job you can't mobilise for is a job you don't win. X Lend is a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange finance so your fleet is ready when the contract lands.
Banks move slowly on heavy plant and treat every operator the same. We match your situation, including low doc and ABN only options, to lenders who understand civil work: big ticket machines, contract based income, and cashflow that lives and dies on progress claims and retentions.
What earthmoving and civil contractors finance with us.
From the machines to the trucks that carry them, most site costs can be financed. The common ones:
Equipment Finance
Excavators, dozers, loaders, rollers and attachments, the plant that wins and delivers the job.
Truck Finance
Tippers, floats, water carts and prime movers to move material and shift your machines between sites.
Vehicle Finance
Utes, crew cabs and site vehicles to get the team and tools where the work is.
Unsecured Business Loans
Working capital to mobilise for a contract, hire crew or bridge retentions, no property security.
Cashflow Finance
Cover wages, fuel and tax while you wait on progress claims and slow paying head contractors.
Lines of Credit
A standing buffer for parts, repairs and quiet stretches between contracts, interest only on what you draw.
Why civil operators use a broker instead of their bank.
One application, the whole market working for you.
Low doc and ABN only
Established ABNs can often finance machines without full financials, quick and light on paperwork.
Same day decisions
Win the contract, mobilise this week, many plant deals settle in 24 to 72 hours.
Built for contract income
We match you to lenders who understand progress claims, retentions and lumpy, project based cashflow.
Tax effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
You keep working
We handle the lender, the paperwork and the settlement so your gear is on site when it needs to be.
Before you decide
Weigh the opportunity against the cost of waiting
The right comparison considers what finance could make possible and what delaying the asset or funding may cost the business operationally.
Pros
- Access suitable vehicles and equipment when finance for earthmoving and civil contractors. opportunities arise.
- Preserve working capital for wages, materials, tax and other operating expenses.
- Replace unreliable assets sooner and reduce avoidable downtime across jobs.
Cons
- Suitable finance for earthmoving and civil contractors. contracts may be missed when the required vehicles or equipment are not available.
- Older equipment can keep breaking down when there is not enough cash to replace it outright.
- Paying the full purchase price from cash can leave less buffer for payroll, materials and unexpected costs.
Questions answered
Industry finance questions
Clear answers before you decide what to apply for.
We're a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance with the one that best fits your earthmoving or civil business.
Usually, yes. We arrange finance for used, ex hire and ex mine plant, lenders differ on age and hours, which is exactly why comparing 80+ of them helps us match your machine to one comfortable with it.
That's the core of what we do. Many plant deals get a same day decision and settle within 24 to 72 hours, so you can take the contract and get moving without missing the start date.
Often, yes. Established ABNs can frequently access low doc finance for vehicles and plant without full financials. We match you to lenders comfortable with your trading history.
Getting an indicative quote doesn't touch your credit file. A formal application involves a credit check, but we only lodge once you're happy to proceed.
Want to know your rate?
An indicative rate request does not create an obligation to proceed.
Genuine settled outcomes
Related case studies
Business VehiclesSettled
$96,000
A private-sale Isuzu tipper brought subcontracted work in-house
Approved on the first lender enquiry and settled at a historical rate of 10.89%. The private seller was paid through the verified process and the business brought the tipper work in-house.
Read the outcomeEquipment FinanceSettled
$65,000
A replacement excavator kept a major civil job moving
Approved on the first lender enquiry and settled at a historical rate of 9.95%, quickly enough to keep the active project running.
Read the outcome