01
Used and auction machines
Lenders who will fund second-hand and auction equipment with an appropriate valuation.
Construction Equipment Finance
Excavators, loaders, tippers and site equipment financed so the machine earns before the repayments bite. New, used, dealer or auction.
Who we work with
- Builders
- Earthmoving & excavation
- Civil contractors
- Landscapers
- Concreters
- Trade businesses
What we finance
- Excavators and mini excavators
- Wheel loaders, skid steers and bobcats
- Tipper trucks and water carts
- Rollers, graders and dozers
- Attachments, compactors and tools
- Site sheds, lighting towers and generators
Chattel MortgageFinance LeaseLow Doc Finance
The challenge
Construction income arrives in progress claims, and a delayed project can leave a business asset-rich and cash-poor for a quarter. Standard monthly repayments do not always suit that.
We look for lenders that can structure around project cycles, finance used machinery at a fair value, and move quickly when a good machine comes up at auction.
How Kasana helps
02
Structured repayments
Balloon or seasonal options where your cash flow follows project stages.
03
Bundle the gear
Machine, attachments and a float can sit under one approval.
04
Accountant-friendly
We work with your accountant so the structure fits your tax position.
Earthmoving & civil
Ways to structure it
The right structure matters as much as the rate
Chattel Mortgage
You own the asset from day one and the lender takes security over it. Often used by GST-registered businesses that want to claim the GST and depreciation.
Finance Lease
The lender owns the asset and you lease it for an agreed term, with a residual at the end. Repayments are generally treated as a business expense.
Low Doc Finance
For established ABN holders whose tax returns are behind or do not reflect current trading. Assessed on BAS, bank statements or an accountant's declaration.
General information only. The best structure depends on your circumstances, so check tax implications with your accountant.
From first call to delivery
- 1
Tell us what your business needs
The asset, the business and the timing. A short call or form is all it takes to start.
- 2
Review finance options
We compare lenders and structures and explain the trade-offs in plain English.
- 3
Secure approval
We prepare and lodge the application, deal with the lender and keep you updated.
- 4
Purchase your asset and grow
The lender pays your supplier, you take delivery and the asset gets to work.
Get a quote
Tell us what you are looking to finance
There is no obligation, and an enquiry does not touch your credit file. A specialist will call you to talk through the options.
What you will typically need
- ABN and licences
- Equipment quote, invoice or auction listing
- Recent BAS or bank statements
- Financials for larger or multi-machine deals
Questions
Construction Equipment Finance: common questions
Can you finance equipment bought at auction?
Yes. Some lenders will approve a limit before the auction so you can bid with confidence. We will explain any valuation requirements first.
Can attachments be included?
Generally yes, when they are purchased with the machine and appear on the invoice.
Is there a tax benefit?
There can be, depending on the structure and your circumstances. We are not tax advisers, so we will work alongside your accountant on this.
The Kasana group
Beyond asset finance. One trusted group supporting your business journey.
Most brokers finance the asset and walk away. Through the Kasana group, the same relationship can cover the equipment, the business and property lending behind it, and the insurance that protects it all.
Assets
Kasana Asset Finance
You are hereTrucks, vehicles, machinery and equipment finance.
- Trucks, trailers & fleets
- Construction & machinery
- Medical & hospitality equipment
Lending
Kasana Finance
Business lending and property finance.
- Business & working capital loans
- Commercial property
- Refinancing
Protection
Kasana Insurance Brokers
Protecting business assets with tailored insurance solutions.
- Commercial motor & fleet
- Plant & equipment cover
- Business insurance packages
Get Started Today
Ready to talk construction finance?
Speak with a Kasana specialist about the asset, the structure and the lenders that fit your business.