Construction Equipment Finance for Builders & Contractors
One pack, one broker — excavators, tippers, commercial property, development finance and everything in between. The full stack for builders and contractors.
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704
You build things for a living. When you need an excavator this week, a working capital bridge between progress claims, and a broker who can also handle the yard purchase and a development facility — the last thing you need is three different brokers and a bank that auto-declines construction.
Which One Is You?
Four situations. Four different paths.
Why Us
Same builder. Two very different conversations.
Real Example
A residential builder scaling into development. Melbourne’s southeast.
ABN 6 years. Family trust. Needed equipment, vehicles, working capital, a commercial property purchase AND a caveat loan to settle a subdivision site — all at once.
What we structured — five facilities, four lenders, one broker.
6 months business bank statements, ABN, BAS, driver’s licence, equipment quote, signed contract of sale on the yard, and a site plan for the subdivision. No tax returns. No accountant letter. First commercial property lender declined — the trust structure was “too complex.” We placed it with a private lender as an interim facility, then refinanced to a mainstream non-bank 3 months later once returns were lodged.
Equipment and vehicles settled in week one. Commercial property and caveat facility settled by week four. Every deal is different — this shows how the full stack works when one broker coordinates everything.
Getting Started
The paperwork is simpler than you think.
One broker. Every machine that matters.
Equipment, vehicles and cashflow — settled in days.
New, used, or private sale. Most construction equipment deals are structured as chattel mortgages — we match the term and structure to your tax position and cash flow cycle. Specialist lenders who understand plant residual values.
Tippers, concrete trucks, flatbeds, crane trucks and utes. Registered vehicles go through vehicle finance pathways — separate lender, often cheaper than asset finance, faster approval.
Bridge the gap between progress claims and retention releases. Business loans, lines of credit, and invoice finance. If you've got a credit mark or a rough year — bad credit pathways through non-bank lenders who assess the deal, not the scorecard.
Need $100K+ this week? If you've got equity in your yard, your home, or any property — a caveat loan is the fastest path. Property-backed, short-term, settled in days. For mobilisation, auction deposits, or emergency equipment replacement.
Where most brokers tap out. We don't.
Commercial property, development finance and private lending — the products that separate this pack from every other pack on the site.
Commercial Property Loans
Buy the yard, the depot, the workshop you've been leasing. Low doc commercial property loans for self-employed builders — up to 80% LVR through specialist lenders. Stop paying rent on a building you could own.
Development Finance
Multi-lot subdivisions, townhouse projects, small apartment builds. Progress draw funding matched to your build timeline. QS-verified drawdowns. From site acquisition through to completion.
Private Lending & Second Mortgages
When mainstream non-bank lenders can't get it done. Private lending is the escalation path for complex property deals. Second mortgages unlock equity in property you already own to fund new projects.
Get Started
Tell us where you're at. Three clicks.
This isn't a form — it's the start of the conversation.
Common Questions
We don't charge you upfront fees — we get paid by the lender when your deal settles. The cost of each facility depends on the amount, term, and lender. Before you commit to anything, we'll give you exact repayment figures so you know what you're looking at. No surprises.
Yes — that's the point of this pack. One broker conversation covers plant, vehicles, cashflow, commercial property, development finance, and home loans. We map everything together so the structures don't conflict and your borrowing capacity is optimised across all facilities.
Construction businesses get auto-declined by banks constantly — the SIC code alone triggers tighter criteria. We work with non-bank lenders who assess the deal on the asset, your cash flow, and your trading history. Bad credit, rough years, disputed progress claims — we've seen it all and there are usually pathways. If the mainstream non-banks can't do it, private lending is the escalation path.
Yes. Used excavators, ex-demo plant, auction purchases and private sale machines. Specialist lenders assess asset value and known resale markets — a 10-year-old Komatsu with 5,000 hours is different from a generic office asset. We know which lenders have appetite for construction plant.
No. There's no credit check to enquire. We only run credit when we have a specific lender and deal structure — and we'll always tell you before that happens. We place your deal with the right lender first to minimise unnecessary enquiries on your file.
One broker. The full construction finance stack.
Whether you need an excavator this week or a development facility this quarter — start here.
We'll call you within 24 hours. The conversation takes about 10 minutes. We'll ask what you need across the full picture — equipment, vehicles, property, everything. No credit check. No obligation. If it's not a fit, we'll tell you.
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704 · General information only. Not financial advice.