Construction Equipment Finance for Australian Builders and Contractors

Upgrade your construction equipment without putting pressure on your cash flow. Equippay helps Australian builders, tradies and contractors access finance for excavators, skid steers, generators, compressors, scaffolding, trailers, power tools, concrete equipment, site machinery and more. Whether you are replacing ageing equipment, taking on larger jobs or expanding your fleet, we can help you structure finance around your business.

Construction equipment finance Australia
Estimate your repayments
EQUIPMENT COST
$75,000
WEEKLY
$546
per week
MONTHLY
$2,368
per month
Apply for equipment finance
Indicative repayment estimate
Secure online application
Fast online application
Apply with basic business and equipment details.
Finance from $2k–$500k
Suitable for tools, machinery, site equipment and larger asset purchases.
Flexible repayment options
Choose a structure that suits your business cash flow and project cycle.
Australian support
Speak with a local equipment finance specialist.

Construction equipment is expensive. But delays can cost more.

Running a construction business means managing labour, materials, subcontractors, supplier accounts, fuel, insurance, site delays and project payments. At the same time, your equipment needs to be reliable. When machinery breaks down, tools are outdated or your current setup cannot handle the next job, it can slow down the whole project. But paying upfront for construction equipment can put serious pressure on working capital. Construction equipment finance can help you buy, replace or upgrade equipment while spreading the cost over time.

High upfront equipment costs

Excavators, skid steers, compressors, scaffolding, trailers and concrete equipment can require a large upfront investment.

Project-based cash flow

Construction payments do not always arrive when expenses are due. Finance can help you manage equipment purchases around project cash flow.

Equipment downtime

Unreliable machinery or broken tools can delay jobs, increase labour costs and affect your ability to deliver on time.

Growth opportunities

New equipment can help you take on larger projects, improve efficiency and reduce reliance on hire equipment.

Construction equipment you can finance

Equippay can assist with finance options for a wide range of construction and trade equipment. Whether you are buying one trailer, upgrading tools or adding machinery to your fleet, Equippay can help you explore suitable finance options.

Excavators

Mini Excavators

Skid Steers

Positrack Loaders

Wheel Loaders

Telehandlers

Forklifts

Tippers and Site Vehicles

Trailers

Generators

Air Compressors

Concrete Mixers

Concrete Pumps

Plate Compactors

Rollers

Scissor Lifts

Boom Lifts

Scaffolding

Formwork Systems

Site Sheds

Temporary Fencing

Power Tools

Laser Levels and Surveying Equipment

Welding Equipment

Safety Equipment

Water Carts

Earthmoving Attachments

Construction Fit-Out and Setup Costs

Built for construction businesses across Australia

We work with a wide range of construction and trade businesses, including:

  • Residential builders
  • Commercial builders
  • Civil contractors
  • Earthmoving businesses
  • Excavation contractors
  • Landscapers
  • Concreters
  • Bricklayers
  • Roofers
  • Carpenters
  • Electricians
  • Plumbers
  • HVAC contractors
  • Demolition contractors
  • Roadwork contractors
  • Formwork and scaffolding businesses
  • Fit-out and renovation companies
  • Sole traders and subcontractors
  • Small and medium-sized construction companies

If the equipment is used for your business, there may be a finance option available.

Estimate your construction equipment repayments

Use the repayment calculator to get an idea of what your construction equipment finance could look like. Your final repayment will depend on the equipment type, loan amount, business profile, lender approval, term selected and any applicable fees.

Estimate your repayments
EQUIPMENT COST
$75,000
WEEKLY
$546
per week
MONTHLY
$2,368
per month
Apply for equipment finance
Indicative repayment estimate
Secure online application

How construction equipment finance works

Simple steps, whether you are purchasing equipment or supplying it to construction businesses.

Finance your equipment

1
Choose your equipment
Select the construction equipment, machinery or tools you want to purchase from your preferred supplier.
2
Apply online
Submit your application with basic details about your business, the equipment and the supplier.
3
Get matched with finance options
We assess your application and match it with suitable finance options from our lender network.
4
Finalise approval
Once approved, finance documents are completed and payment is arranged with the supplier.
5
Put the equipment to work
Use the equipment on site and repay the finance over the agreed term.

Help your customers buy sooner

Help your customers move ahead with equipment purchases by offering finance at the point of sale. Equippay gives machinery dealers, tool suppliers, hire-to-own providers and construction equipment suppliers a simple way to offer finance options without managing the lending process themselves.

  • Give customers repayment estimates quickly
  • Help reduce delays caused by upfront cost concerns
  • Support larger machinery and equipment purchases
  • Track applications through the partner portal
  • Get paid once the finance settles
  • Earn commission on eligible settled deals

Helping construction businesses invest in the right equipment

For builders, tradies and contractors, equipment is not just another expense. It can directly affect job speed, site productivity, safety and profitability.

Whether you need a new excavator, trailer, compressor, generator, scaffolding system or full equipment package, Equippay helps make the purchase easier to manage by spreading the cost over time.

Instead of delaying upgrades because of upfront equipment costs, finance can help your business keep projects moving while protecting cash flow.

Why construction businesses use Equippay

Preserve working capital

Keep cash available for wages, materials, fuel, subcontractors, supplier accounts and day-to-day operating costs.

Reduce reliance on hire equipment

Owning the right equipment can reduce repeated hire costs and give your team better control over availability.

Replace equipment faster

When machinery or tools become unreliable, finance can help you replace them before they cause bigger project delays.

Take on larger jobs

Finance can help you access the equipment needed to quote for larger projects or expand your service offering.

Flexible repayment options

Spread the cost of equipment over time with repayments that suit your business cash flow.

Local support

Deal with an Australian team that understands business equipment finance.

Frequently asked questions

Yes. Used or refurbished construction equipment may be considered depending on the age, condition, supplier, equipment type and lender requirements.

Ready to finance construction equipment?

Upgrade your machinery, tools or site equipment with finance options designed for Australian construction businesses. Apply online and see what construction equipment finance options may be available for your business.

For builders and contractors
Finance your equipment
Apply online and see what finance options may be available for your business.
Apply now
For equipment suppliers
Close bigger deals
Help customers explore finance options and earn commission on eligible settled deals.
Become a partner