Excavator & Earthmoving Finance in Gold Coast & South East Queensland

Whether you're just getting started in the earthmoving business or expanding your fleet with the best excavator models, getting the right finance solution can make a world of difference. At Millard Financial, we specialise in helping businesses across Gold Coast and South East Queensland access competitive, tailored finance options for earthmovers and excavators.

As part of our broader Equipment Finance solutions, we work closely with you to understand your business needs and structure the right finance deal to match your cash flow, asset requirements, and future goals.

Why Finance Your Excavator or Earthmoving Equipment?

Purchasing heavy machinery outright can put unnecessary strain on your business’s working capital. That’s why smart operators across the Gold Coast are turning to excavator finance and earthmoving equipment finance as a flexible, tax-effective way to grow their operations.

Whether you're chasing the latest model or simply need a reliable hand excavator, we can help you finance an excavator with ease. And if you're dealing with debt from an earthmoving company acquisition or business restructuring, we’ll help you consolidate or refinance to keep things moving forward.

What We Finance

We provide finance solutions for a wide range of machines and equipment, including:

Mini and full-sized excavators
Skid steers and compact loaders
Earthmoving equipment of all sizes
Hand excavators and specialty machines
Earth graders and dozers
Attachments and upgrades

No matter the size or scale of your operations, our brokers are experts at securing earthmoving finance that’s right for you.

Excavator Loan vs Excavator Lease – What’s the Difference?

Not sure whether to lease or loan your next piece of machinery? Here’s a quick breakdown:

Excavator Loan:

You own the equipment from day one
You may be able to claim depreciation and interest
Ideal for long-term investments in your fleet

Excavator Lease:

Lower upfront costs
Flexible terms with potential upgrade options
Great if you want to keep gear up to date

Our team can help you weigh the pros and cons and find the best equipment finance rates for your specific situation.

Tailored Finance Solutions for Earthmovers and Contractors

No two businesses are the same. That’s why we don’t believe in cookie-cutter finance deals.

When you work with Millard Financial, you’ll get:

Access to over 40+ lenders, including major banks and specialist financiers
Competitive rates on excavator loans, leases, and chattel mortgages
Fast pre-approval so you can bid on equipment with confidence
Options to refinance earthmoving debt
Guidance from brokers who know the local construction and civil industries

We’re here to support sole traders, small operators, and large contractors alike—whether you're expanding your fleet, replacing older machines, or just chasing better finance terms.

From the Gold Coast to Brisbane, Toowoomba to Northern NSW—our team has helped countless local businesses access smarter equipment finance. We’re proud to support the industries that keep Queensland moving, including civil contractors, landscapers, builders, and mining services.

If you're in South East Queensland and looking to finance earthmoving equipment, you’re in the right place. We speak your language, understand your challenges, and move fast when it counts.

Civil construction companies
Earthmoving contractors
Landscaping and trenching businesses
Mining support services
Owner-operators and tradies
Start-ups and growing fleets

Whether you're looking to buy the best excavator on the market or simply secure earthmoving finance without the usual bank red tape, we’ve got your back.

Getting your excavator loan or earthmoving equipment finance approved doesn’t have to be hard. At Millard Financial, we take the hassle out of the process and deliver finance that works with your cash flow, not against it.

Let us do the legwork while you focus on the jobsite.

👉 Contact our team today for an obligation-free chat about your earthmoving finance needs.

How much can I borrow for earthmoving equipment?

It depends on the asset and your financials, but we can typically secure up to 100% finance with no deposit required.

Can I finance second-hand excavators?

Yes, we can help finance new and used machines, subject to lender conditions.

Do you help with refinancing current earthmoving equipment loans?

Absolutely. If you're paying too much or your situation has changed, we can help refinance and restructure your debt.

What finance terms are available?

Loan terms usually range from 1 to 7 years, depending on the equipment age and your business needs.

Are there any tax benefits to financing equipment?

Yes—financing may provide tax advantages, like claiming interest and depreciation. Speak to your accountant or ask us for more info.

Let’s Talk Earthmovers & Excavators

Need to finance an excavator, lease a new digger, or sort out debt from your earthmoving company? Whatever your goals, Millard Financial is here to help.

Tap into our local expertise, wide lender network, and real-world finance experience today.

📞 Call us now or request a free quote online, and we’ll be in touch shortly.