Excavator and Earthmoving Finance for Contractors
When a job is ready to start, you cannot afford to be waiting on finance. NYC Finance helps earthmoving contractors and owner-operators fund excavators and yellow goods quickly, so the machine is on site when the project window opens, not weeks after.
New or used, dealer or private sale, you get a broker who knows yellow goods and the lenders who finance them. Get pre-approved before you commit so you can move the moment the work is locked in.
Yellow Goods Specialist: Finance from someone who knows the machines.
Fast Approvals: Move quickly so you do not miss the project window.
New, Used and Private: Finance for dealer and private-sale machines.
Finance for the Whole Yard
From a mini excavator for tight residential work to a dozer or grader for civil jobs, I match the finance to the machine and how hard it will work. For other plant and workshop gear, our equipment and machinery finance covers the rest.
Every Machine: Excavators, mini excavators, dozers, graders and loaders.
Private Sale Friendly: Buying off another operator is no problem.
Tax-Effective Structures: Chattel mortgage or lease, set up to suit your accountant's advice.
The Difference a Real Broker Makes
It is not just lender access that sets me apart. It is having a broker who understands deadlines and downtime, treats your deal like it matters, and is genuinely contactable when you need an answer fast.
Let's Talk FinanceReal Business Experience Having run my own business, I understand cash flow and the cost of getting finance wrong. You get advice from someone who has lived it, not just sold it.
Simple & Personal Process I ask for everything I need once, then keep things moving. No back and forth and no jargon, just clear communication from the first call through to settlement.
Discretion & Privacy I am not chasing the spotlight or a big name in finance. Your details and your deal stay private, handled with the discretion every business owner deserves.
Local to the Hills Based in Dural and servicing the Hills, the Hawkesbury, and clients right across Australia. Local, approachable, and easy to reach when you need a straight answer.
Common Questions About Earthmoving Finance
A clean application can be approved quickly, often within a day or two. If a project is about to start, get pre-approved first so the only thing left is to pick up the machine and get to work.
Yes. From mini excavators for tight residential work to full-size machines, and whether you are buying from a dealer or another operator, there are lenders who will finance it. I will sort the valuation and paperwork either way.
Yes. Plenty of contractors run used machines hard and profitably. Hours, age and condition affect the options and the rate, and I will tell you where you stand before you commit to a purchase.
Usually not. Earthmoving finance is typically asset-backed, so the machine itself is the security rather than your property. That keeps the family home out of the deal in most cases.
With a chattel mortgage you own the machine from day one, so you can generally claim the interest and the depreciation, and the instant asset write-off may apply. Check the detail with your accountant and I will structure the finance to match.
Looking for a Trusted Asset Finance Broker?
Talk to NYC Finance about tailored finance solutions for your next vehicle, truck, machinery, or equipment purchase.
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