Earthmoving Loans

Are you ready for your business to propel to the next level, and to break new ground? Then commercial finance is your answer.

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Earthmoving loans

The earthmoving industry forms the backbone of many essential sectors, from construction to mining. And the heart of this industry is its equipment. Finance 48 has honed its expertise to provide top-tier financing solutions for earthmoving equipment in Perth.

Earthmoving equipment solutions 

At the core of our offering is a deep understanding of the earthmoving sector’s needs. We offer financial solutions for a wide array of equipment, including, but not limited to:

  • Bulldozers 
  • Graders 
  • Excavators 
  • Forklifts 
  • Telehandlers 
  • Tractors 
  • Trailers and dollies 
  • Trucks 
  • Bobcarts/skid-steers 
  • Backhoes 
  • Loaders 
  • Dump trucks 
  • Cranes 
  • Quarry equipment 
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Our financing solutions 

Our commitment to fostering business growth through tailored financial solutions is evident in the range of options we offer: 

Secured finance loans: A mainstay in the financial world, this traditional loan structure provides businesses the assurance of well-understood terms. Here, an asset (often the equipment itself) is used as collateral, potentially fetching better interest rates and more extended repayment terms. 

Pre-approved master facilities: Recognising that some businesses in the earthmoving sector have an ongoing need for equipment acquisition, we offer this unique financing solution. Once approved, it allows businesses to make multiple equipment purchases without repeatedly going through the loan approval process. 

Revolving lines of credit: Dynamic businesses require dynamic solutions. For companies with an ever-evolving need for funds, our revolving credit lines offer the flexibility of accessing funds as and when required, ensuring they never miss an operational beat. 

Varied loan terms: Every business has its unique financial rhythm. Whether it’s the seasonality of operations, the life-cycle of the equipment, or the ebbs and flows of cash, we understand it all. Our loan terms range from 1–7 years, with options for residuals or balloons. This flexibility ensures businesses can maintain their cash flow efficiently and without undue strain. 

The Finance 48 Advantage

At Finance 48, we prioritise partnership over transactions. Here’s how we stand out: 

Direct interaction: While we offer an efficient online portal for quick applications, we value direct meetings with clients. This helps us better understand their specific business needs and provide tailored financial solutions.

Expert advice: With Paul McKinley, a Chartered Accountant, at the helm, we ensure clients get clear and straightforward financial insights. This helps businesses make informed decisions.

Fast processing: Industries like earthmoving need quick decisions. That’s why we focus on providing fast responses from application to approval.

Wide lender network: We collaborate with over 60 commercial lenders. After assessing a client’s needs, we present the most suitable loan options clearly.

Continued support: Our job doesn’t end once a loan is given. We keep in touch, ensuring the loan remains relevant to the client’s changing business needs. Unlike many others, we’re there for the long haul, providing ongoing guidance. 


While the world of financing can sometimes seem complex, we aim to make the journey smooth: 

Basic criteria: Central to our financing criteria is the requirement of a registered ABN. Regardless of whether you’ve recently obtained your ABN or have been in business for a while, we have specific financing options tailored to meet your needs. It’s preferable, though not mandatory, for businesses to also be registered for GST.

New ABN holders: Starting a business is a significant step, and securing financing can be one of the initial challenges. We support new ABN holders by looking at various factors to determine eligibility:

  • Do you have an asset that can be used as collateral?
  • Have you created a comprehensive cashflow projection to indicate your business’s financial trajectory?
  • Do you have a contract in place for the equipment you intend to finance? Such contracts can assure potential revenue streams, giving lenders confidence that the business can repay the loan.

For the established players: Those with a more extended operational history have a different set of requirements. Typically, we’ll need:

  • Up-to-date financial statements to understand the financial health and track record of the business.
  • An assurance that all tax liabilities are current and no outstanding issues exist. This requirement not only confirms the business’s financial responsibility but also its credibility in the market.
  • Both the business and its director(s) should maintain a clean credit file and a good credit score, emphasising a history of financial reliability.
  • In certain cases, lenders might request future financial projections or budgets for the upcoming fiscal year to get a sense of the business’s anticipated financial performance.

Interest rates and beyond 

The financial sector is constantly changing, affected by worldwide events, economic data, and regulatory actions. At present, our interest rates for established businesses are set competitively, falling between 6–10%. However, our approach to client relationships isn’t solely focused on rates. We take the time to understand the anticipated duration of use for the financed equipment, foresee potential cash flow issues, and align with the overarching business goals. Each financing option, whether it’s a concise 1-year term or a longer 7-year arrangement, is specifically designed based on this comprehensive understanding. 

Take the next step 

The earthmoving industry relies heavily on durable equipment for projects in construction, mining, and similar sectors. Finance 48 provides businesses with access to this essential equipment through a range of financial solutions designed for diverse needs and objectives.  

Whether you’re a newcomer to the industry or a seasoned player, our primary goal is to support your growth and address your challenges. Finance 48 is here to be a reliable partner for your business needs. Consider exploring what Finance 48 has to offer for your equipment financing requirements today. 

Finance 48 for your commercial finance needs?

Whether you are a solo civil works operator with a single dump truck, or a large-scale operation needing to expand an already large fleet – we’ve got commercial loan options for you.

As your commercial earthmoving finance partner, we’ll get you the ideal site specific equipment that  you need to propel your business. At Finance 48, we take a common sense approach to lending, and we work to get you closer to your overall company goals.

Our team of commercial earthmoving finance specialists are here to get your business’ soaring. Chat to our commercial earthmoving finance experts today.

Get in touch with our commercial finance team in Perth
Our commercial finance brokers Perth are dedicated to answering your queries. Please feel free to contact our Perth commercial finance team today.

Get in touch with our finance team in Perth 

Are you ready to talk to us about your finance needs? Whatever your question is, we are here to help, and to bring clarity to your situation.
Please feel free to contact our team right away.