Finance for earthmoving and civil contractors.
Excavators, tippers and heavy plant — one application across 67+ lenders to fund the machines that win and deliver the job.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
The machine on site is the money on site.
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 67+ banks and non-bank 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.
From a single excavator or tipper to a full plant and float upgrade, we structure the finance around your cashflow and tax position (chattel mortgage, hire purchase or rental) and get a decision fast — often same day. You keep moving dirt; we handle the paperwork.
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:
Why civil operators use a broker instead of their bank.
One application, the whole market working for you.
67+ lenders, one application
We compare banks and specialist asset lenders in one go to find the sharpest rate on heavy plant.
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.
Common questions, straight answers.
We're a finance broker: we compare a panel of 67+ banks and non-bank 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 67+ 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.