Equipment Finance
Excavators, dozers, loaders, rollers and attachments, the plant that wins and delivers the job.
View finance optionsEarthmoving & Civil Finance
Excavators, tippers and heavy plant, one application across 80+ lenders to fund the machines that win and deliver the job.
80+ lender panelBanks and specialist lenders
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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 80+ banks and nonbank lenders and arrange finance so your fleet is ready when the contract lands.
Heavy-plant applications need the right asset and income evidence. We match your situation, including low doc and alternative-document 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 coordinate the application with the lender. 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:
Truck Finance
Tippers, floats, water carts and prime movers to move material and shift your machines between sites.
View finance options
Vehicle Finance
Utes, crew cabs and site vehicles to get the team and tools where the work is.
View finance optionsUnsecured Business Loans
Working capital to mobilise for a contract, hire crew or bridge retentions, no property security.
View finance optionsCashflow Finance
Cover wages, fuel and tax while you wait on progress claims and slow paying head contractors.
View finance optionsLines of Credit
A standing buffer for parts, repairs and quiet stretches between contracts, interest only on what you draw.
View finance optionsWhy civil operators use a broker instead of their bank.
One broker to compare our panel of 80+ banks and specialist lenders.
Talk through your options80+ 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, your broker checks the lender timeline and outstanding conditions.
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.
Make the next move.
Know the full picture.
The right finance should support the work ahead. Compare what it makes possible with the cost and commitment of borrowing.
What finance can help with
Put the right gear to work
Access vehicles and equipment for new contracts, replacements or a growing workload.
Keep cash available for the job
Spread an eligible purchase over time while keeping a buffer for wages, materials and operating costs.
Reduce avoidable downtime
Replace unreliable assets when the cost of repairs and lost working time starts adding up.
What to weigh up
Look beyond the repayment
Compare interest, fees and any final balloon payment alongside the total amount you will repay.
Allow for quieter periods
Repayments continue when work slows or customers pay late. Check the commitment against your cashflow.
Compare buying now with waiting
Weigh repair costs and missed work against the cost of finance. Paying cash also reduces your available buffer.
Check the machine against the work ahead.
The national plant model code addresses inspection, maintenance and the specific risks of powered mobile plant. Used equipment needs attention to its condition and available operating information.
Safe Work Australia: managing plant risks (November 2024)What to prepare for your finance discussion
Compare machine hours, service history, attachments, float transport and site mobilisation before settling on the amount. Model a quieter utilisation period as well as a full workload. A low monthly payment can still be expensive if the machine spends weeks idle or needs major repairs.
- Make, model, serial number, hours and service records
- Quote for attachments and transport to site
- Contract schedule, utilisation assumptions and repair allowance
Source checked 5 September 2026. These planning points explain how to prepare; lender requirements and regulatory obligations depend on your circumstances.
Your questions, answered.
Get clear on eligibility, paperwork and the next steps before you apply.
Ask a brokerAre you a lender or a broker?
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.
Can I finance used or ex mine machinery?
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.
I've won a contract but need to mobilise fast, can you move quickly?
That's the core of what we do. Decision and settlement timing depend on the lender, complete documents and any required asset checks. Your broker confirms the expected steps before you commit.
Can I finance with just an ABN and no full financials?
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.
Will an enquiry affect my credit?
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.
See how it worked
for other businesses.
View all case studies
$96,000 settled
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 case study
$65,000 settled
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 case study