Excavator & Earthmoving Finance

Finance for excavators, bulldozers, loaders, graders and all earthmoving machinery. Fast approvals and competitive rates for operators across Australia.

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MILLARD FINANCIAL

With over 15 years of experience, we secure competitive finance solutions for businesses and individuals across Australia.

LENDERS IN OUR NETWORK

50+

YEARS EXPERIENCE

15+

LOAN APPROVAL TURNAROUND

24hr

EARTHMOVING EXPERTS

Finance to keep your earthmoving fleet moving.

Whether you run a single excavator or manage a full earthmoving fleet, we secure finance solutions structured around how earthmoving businesses actually operate. Project-based revenue, equipment-heavy operations, varied trading histories — we work with lenders who understand the sector's realities. From owner-operators landing their first excavator to contractors expanding into civil and infrastructure, we deliver fast approvals and competitive terms.

OWNER OPERATORS

CIVIL CONTRACTORS

NEW & USED

LOW DOC

Owner Operator Finance

Just bought your first excavator or scaling up your fleet? We help owner operators secure fast, flexible finance to get machines on-site and earning.

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Civil & Earthworks

Working on infrastructure, subdivision or commercial projects? We finance excavators, dozers, graders and skid steers for civil contractors.

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New & Used Equipment

Buying brand new from a dealer or sourcing a quality used machine privately? We finance both with terms tailored to age and resale value.

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No-Deposit & Low-Doc

Strong cashflow but limited paperwork? We work with lenders that offer no-deposit and low-doc earthmoving finance, including for new ABN holders.

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testimonials

What they say about Us?

Here’s what they shared about their experience working with our team.

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I had finance approval in 24 hours and the deal settled in 48 hours, meaning I could collect my new car in just 2 days. I cannot recommend his professional and thorough services highly enough.

Leanne Gibbs

Grow Business Development, Gold Coast QLD

When the banks stopped our growth, Millard Financial got us the trucks and equipment we needed to take on the big jobs. Marcus makes obtaining machinery simple and fast. He is quite simply the growth tool your business needs.

Michael Edmonds

GDE Tree Services, Brisbane.

Marcus and his team made the entire finance process simple from start to finish, securing a very competitive rate while I focused on running my business. He takes his service to another level and I wouldn't use anyone else.

Peter Sanders

Airport Transfer Solutions

testimonials

What they say about Us?

Here’s what they shared about their experience working with our team.

GET IN TOUCH

I had finance approval in 24 hours and the deal settled in 48 hours, meaning I could collect my new car in just 2 days. I cannot recommend his professional and thorough services highly enough.

Leanne Gibbs

Grow Business Development, Gold Coast QLD

Michael Edmonds

GDE Tree Services, Brisbane.

Peter Sanders

Airport Transfer Solutions

frequently asked questions

Common questions about excavator and earthmoving equipment finance.

What types of earthmoving equipment can I finance?

All earthmoving machinery including excavators (mini through to 50+ tonne), bulldozers, loaders, graders, skid steers, and dump trucks. New and used equipment both qualify.

How fast can excavator finance be approved?

Clean excavator and earthmoving finance applications are typically approved within 24 to 48 hours through specialist asset lenders. Settlement timing depends on the supplier.

Can I get earthmoving finance without a deposit?

Yes, for established civil and construction businesses with strong cashflow. New operators usually need 10 to 20% deposit or a trade-in.

What term length should I choose for earthmoving equipment?

Terms typically run 3 to 7 years. Match the term to your project pipeline and expected revenue from the equipment. Longer terms lower repayments but increase total interest.