Equipment Finance
Dozers, drill rigs, loaders, generators and processing plant, the heavy gear that drives production.
View finance optionsMining & Resources Finance
Heavy plant, haulage and site equipment, we compare 80+ lenders to fund the gear that keeps the site producing.
80+ lender panelBanks and specialist lenders
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On a mine site, capacity is everything.
Mining and resources work is capital heavy and contract driven, the equipment on site is the difference between hitting production targets and watching a contract slip. X Lend is a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance so you can scale your fleet to the job in front of you.
Banks are cautious with high value plant and slow to move. We match your situation, including low doc and alternative-document options, to lenders who understand resources work: expensive, long life assets, contract based income, and the ramp ups and wind downs that come with each project.
From a single haul truck or dozer to a full site mobilisation, we structure the finance around your cashflow and tax position (chattel mortgage, hire purchase or rental) and get a decision fast. You keep the site producing; we handle the paperwork.
What mining and resources operators finance with us.
From the plant to the vehicles that support it, most site costs can be financed. The common ones:
Truck Finance
Haul trucks, water carts, road trains and prime movers to move material and service the site.
View finance options
Vehicle Finance
Light vehicle fleets, utes and site spec 4WDs to move crews and supervisors around the operation.
View finance optionsUnsecured Business Loans
Working capital to mobilise for a contract, hire crew or fund a ramp up, no property security.
View finance optionsCashflow Finance
Cover wages, fuel and maintenance while you wait on contract payments and retentions.
View finance optionsLines of Credit
A standing buffer for parts, repairs and the gaps between projects, interest only on what you draw.
View finance optionsWhy resources 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 high value plant.
Comfortable with big ticket assets
We match you to lenders who fund expensive, long life mining plant the majors are quick to knock back.
Low doc and ABN only
Established ABNs can often finance machines without full financials, quick and light on paperwork.
Structured for contract income
Repayments shaped around project timelines, ramp ups and wind downs, not a one size bank template.
Tax effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
Fast to mobilise
We handle the lender, the paperwork and settlement so your fleet is on site when the contract starts.
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.
Confirm site suitability before committing capital.
The national plant code covers powered mobile equipment, protective measures, maintenance and risk assessment. Mine and quarry operators also need to check their specialist regulator and site requirements.
Safe Work Australia: managing plant risks (November 2024)What to prepare for your finance discussion
A machine's purchase price is only part of the commitment. Price site-required modifications, mobilisation, maintenance support and demobilisation. Test the repayment against contract duration, standby periods and the consequences of early contract termination rather than assuming uninterrupted utilisation.
- Asset age, hours, specifications and maintenance history
- Site requirements and itemised mobilisation costs
- Executed contracts, term, payment conditions and concentration risk
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 mining or resources operation.
Can I finance used or ex mine equipment?
Usually, yes. We arrange finance for used, ex hire and ex mine plant, lenders differ on age and hours, which is why comparing 80+ of them helps us match your machine to one comfortable with it.
Can you structure repayments around a contract?
Yes. We match you to lenders who understand project based income and can shape repayments around contract timelines, ramp ups and retentions.
Can I finance high value plant with just an ABN?
Often, yes. Established ABNs can frequently access low doc finance for plant and vehicles without full financials. We match you to lenders comfortable with your trading history and the asset.
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.