Business Finance
Earthmoving equipment finance
for licensed operators.
Excavators, wheel loaders, bulldozers, graders, skid steers — heavy construction equipment needs specialist finance. We connect business owners with lenders who understand the sector.
Specialist finance for heavy construction equipment
Yellow goods — excavators, loaders, bulldozers, graders and similar — are high-value assets with their own specialist finance market. Not all lenders will touch them, and those that do vary significantly in appetite for different makes, ages and operating conditions.
We work with lenders who have specific experience in construction equipment — including high-hour machines that mainstream lenders often decline. Whether you're a sole-operator earthmover or a growing civil contracting business, we'll find the right structure and lender.
All major yellow goods types
Excavators, loaders, dozers, graders, compactors, skid steers, crane trucks.
High-hour machines considered
Lenders with appetite for older, high-use equipment — not just brand new.
Contractor & business income
Lenders who understand contract revenue and construction business structures.
Access to a large lender panel
Including niche equipment lenders not available through standard bank channels.
Who this suits
- Earthmoving and civil contractors purchasing or upgrading equipment
- Owner-operators buying their first machine
- Construction businesses expanding their fleet
- Mining services contractors needing site-specific plant and equipment
Purchasing from an auction or private sale? We can work with those transactions — just give us the details of what you're buying.
Earthmoving Finance FAQS
Got questions? We've got answers.
Plain English. No jargon. Just the stuff people actually ask us.
What earthmoving equipment can TradeFin help finance?
We can help with finance for excavators, skid steers, loaders, graders, dozers, rollers, backhoes, compactors, trenchers, dump trucks and other yellow goods. We can also look at related assets like attachments, buckets, hydraulic hammers and trailers. Whether you're upgrading or winning new work, we'll help structure the finance around your business.
Can I finance a used excavator or machine with high hours?
Yes, depending on the lender and the machine. Used earthmoving gear is often assessed on age, hours, condition, service history, brand, market value and expected working life. We'll help present the equipment properly so the lender can see the value and income potential behind the purchase.
Can attachments be included in earthmoving finance?
Often, yes. Attachments such as buckets, augers, grabs, breakers, tilt hitches and other tools may be included as part of the finance package. This can be helpful when the attachment is needed to make the machine job-ready. We'll help combine the asset details so the lender understands the full setup.
Do I need work contracts to get earthmoving equipment finance?
Not always, but contracts or upcoming job details can help strengthen the application, especially for newer businesses or larger purchases. Lenders want to see how the equipment will generate income. We'll help you provide the right supporting information, whether that's contracts, invoices, bank statements or trading history.
Can I get pre-approval before committing to a machine?
Yes, and it can be a great idea. Pre-approval helps you understand your budget before negotiating with a dealer, private seller or auction house. Earthmoving equipment can sell quickly when the price is right, so having finance lined up can help you move with confidence.
Can I refinance existing earthmoving equipment?
Yes, refinancing existing machinery may help improve cash flow, change loan terms, release equity or consolidate business debt. The lender will consider the machine value, payout figure, business position and repayment capacity. We'll help compare the benefits and costs so you know whether refinancing is worthwhile.