Business finance
Business Loans For Earthmoving & Excavation Contractors
Working capital, equipment, and growth finance for earthmoving & excavation contractors — matched to your revenue and time trading, not a generic credit score.
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Australian trades
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Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for earthmoving & excavation contractors and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Asset and equipment finance sized to major purchases, not a generic limit.
- Structures that match repayments to the revenue the asset generates.
- One application across lenders that fund large equipment outlays.
How it works
Simple next steps
- 1Tell us the asset, the amount, and how long you've been trading.
- 2We match it to lenders that finance high-value equipment.
- 3You compare the structures and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Earthmoving & Excavation Contractors
Earthmoving is one of the most capital-hungry trades there is. A single excavator, dozer, loader or tipper — let alone a fleet upgrade or a low-loader to move them — runs well past the ~$180,000 finance mark, and that's before attachments, GPS machine control and the float costs of a big site. Equipment finance and working-capital facilities let you buy or upgrade plant, take on larger civil and subdivision contracts, and bridge the 30-to-60-day gap between progress claims without parking machines you could be running.
Common questions
Earthmoving & Excavation Contractors — business loan questions
Can I finance used machines as well as new plant?
Often yes. Many lenders fund quality used excavators, dozers and tippers, not just new equipment, though the term may be shorter on older machines. Cockatoo helps match you to a lender that understands earthmoving plant and the value in a well-maintained fleet.
Will progress-claim payment terms affect my finance?
Lenders that work with civil and earthmoving contractors expect 30-to-60-day progress claims and retentions. Showing your contracts, plant utilisation and payment history usually matters more than the timing of any single claim, and helps structure repayments around your cash flow.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.