Civil Construction Finance

Get the gear you need to grow

Tailored finance solutions to build your infrastructure projects from the ground up. We understand the unique challenges of the civil construction industry. Our competitive solutions help you secure the equipment you need to complete projects on time and within budget.

Get a Quote

Equipment Loan Calculator

This estimate’s a great start but your real rate might be even better.
Tap ‘Free Detailed Quote’, tell us a few quick details, and we’ll personalise your quote – no credit checks or obligation.

Loan Amount

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Interest rate (%)

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Loan term (months)

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Residual/balloon (%)

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Check this box to show payments in arrears

Your estimated repayments

2,142.30

per month

Free Detailed Quote

No obligations or paperwork.*

Got another quote? Double check it here first.

Rates don’t always show the whole picture – our calculator does. Double check now.

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We are the Civil Construction Equipment Finance Experts.

At Finlease, we understand the civil and construction game inside out, because we’ve been financing the gear that keeps it moving for over 35 years. From excavators and skid steers to tippers, trailers and utes, we know what works on-site and what makes sense on paper.

Our brokers don’t just talk finance, they speak your language, understand project timelines, and know how to structure loans that support your cash flow. Whether it’s a brand-new machine or a second-hand pickup from a private seller, we make the process fast, straightforward, and tailored to your business.

That’s why civil and construction clients across Australia trust Finlease to get them moving.

Why Choose a Broker Over Going Direct to Banks?

Most business owners waste weeks chasing banks for equipment finance.
Here’s what you get when you work with Finlease brokers instead:

No Legwork, Great Rates

Talk to three banks or talk to us and we’ll compare 40. We know the lenders, the rates, and how to get results that suit your business.

Faster than the banks

Two weeks average with a bank… or two days with us* We do the legwork. You get the approval - fast.

Your Finance Advocate

Banks work for banks. We work for you. With 8,000+ loans a year, we know what sharp rates and fast approvals look like and we don’t settle for less.

Paperwork Made Simple

We know what every lender requires - so you don’t have to. One application, tailored to the right lenders from the start. Less fuss. Faster results.

We aim to beat most quotes. Speed included

You don’t work 9-5pm – neither do we

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90,000+ loans facilitated – unmatched expertise

Tradesman receiving wages from work, dressed in a suit and holding fifty dollars note

We’ve got private sales covered too.

In this video, CEO Mark O’Donoghue reveals how Finlease ensures a seamless experience for clients purchasing equipment through private sales. Learn how Finlease handles every detail—from conducting thorough inspections to liaising with insurance brokers—so you can focus on growing your business without the hassle.

Backed by 1,500+ five-star reviews,
35 years in business, and brokers who have your back.

A builder had a new job starting in 4 weeks. Their old excavator wasn’t cutting it – and delivery on new gear was too long.

We quickly assessed their situation, matched them with a lender who understood the urgency, and secured finance within 48 hours – fast enough to lock in the machine they needed without holding up the project. By structuring the loan with manageable repayments and no balloon surprises, we kept their cash flow healthy while ensuring the equipment was ready to go not just for the immediate job, but for the two upcoming projects as well.

FAQ’s

Equipment & Vehicle Loans – Your Questions Answered

Securing the right finance for your civil or construction equipment is easier when you’ve got answers upfront. Whether you’re buying new or second-hand, from a dealer or private seller, or weighing up repayment options like balloons, our FAQs are here to guide you through the process.

Can I finance equipment bought via private sale (like on Carsales)?

Yes. We handle the legwork – PPSR checks, inspections, the lot.

How long does the process take?

As fast as 6 hours, typically 24–48. Need it done yesterday? Let us know.

What are the repayments?

We’ll tailor options to your cash flow and help you compare repayments with or without a balloon.

Am I likely to get approved?

If you’ve been in business for 2+ years and you’re borrowing under $500k, chances are high.

Do I need to be a property owner?

No – that’s a myth. We finance renters all the time.

Are there early payout fees?

It varies – give us a call and we’ll break it down case by case.

What to Expect:
The Lending Process

Step

Initial Consultation

We gather essential info about your needs, providing tailored guidance to meet your objectives.

Step

Application Submission

We lodge your application with the lender that best fits your needs.

Step

Lender Approval

We typically secure an approval for your application from the selected lender within 24-48 hours.

Step

Document Signing

We schedule a convenient time for document signing.

Step

Settlement

Your loan settles, enabling you to take possession of your asset.

Advice from the Experts

Think about your future work. A cashflow forecast can show lenders that the repayments are covered.
Always get a comparative quote. The dealer might not be offering the best or most flexible solution.
Used equipment can be a smart buy. Second-hand vehicles from reliable sources can be a solid investment and are still financeable.
Talk to a broker early. It’s easier (and faster) to structure finance right from the start, rather than fix a poor deal later

Already have a quote? Double check the rate.

Whether you’re a sole trader or running a growing civil operation, we tailor the process to suit your needs:

Need it fast? We’ve got lenders who settle same-day.
Want the best rate? Go full-doc and give us a couple of days – you’ll save more over the term.
Not sure? We’ll walk you through both and help you make the right call.

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Start Your Journey

Finance for:

Civil Construction Finance

Equipment Loan Calculator

Your estimated repayments

2,142.30

per month

Got another quote? Double check it here first.

Rates don’t always show the whole picture – our calculator does. Double check now.

We are the Civil Construction Equipment Finance Experts.

Why Choose a Broker Over Going Direct to Banks?

Most business owners waste weeks chasing banks for equipment finance.Here’s what you get when you work with Finlease brokers instead:

No Legwork, Great Rates

Talk to three banks or talk to us and we’ll compare 40. We know the lenders, the rates, and how to get results that suit your business.

Faster than the banks

Two weeks average with a bank… or two days with us* We do the legwork. You get the approval - fast.

Your Finance Advocate

Banks work for banks. We work for you. With 8,000+ loans a year, we know what sharp rates and fast approvals look like and we don’t settle for less.

Paperwork Made Simple

We know what every lender requires - so you don’t have to. One application, tailored to the right lenders from the start. Less fuss. Faster results.

We aim to beat most quotes. Speed included

You don’t work 9-5pm – neither do we

90,000+ loans facilitated – unmatched expertise

We’ve got private sales covered too.

Backed by 1,500+ five-star reviews,35 years in business, and brokers who have your back.

A builder had a new job starting in 4 weeks. Their old excavator wasn’t cutting it – and delivery on new gear was too long.

FAQ’s

Equipment & Vehicle Loans – Your Questions Answered

Can I finance equipment bought via private sale (like on Carsales)?

How long does the process take?

What are the repayments?

Am I likely to get approved?

Do I need to be a property owner?

Are there early payout fees?

What to Expect:The Lending Process

Initial Consultation

Application Submission

Lender Approval

Document Signing

Settlement

Advice from the Experts

Whether you’re a sole trader or running a growing civil operation, we tailor the process to suit your needs:

Get your free pair of our famous socks!

Save your quote and get it emailed to you - we'll send you a pair of our famous Finlease socks for your trouble.

Get your free pair of our famous socks!

Save your quote and get it emailed to you - we'll send you a pair of our famous Finlease socks for your trouble.

Most business owners waste weeks chasing banks for equipment finance.
Here’s what you get when you work with Finlease brokers instead:

Backed by 1,500+ five-star reviews,
35 years in business, and brokers who have your back.

What to Expect:
The Lending Process