Construction Equipment and Heavy Machinery Finance

Get the Equipment You Need Without Tying Up Your Cash Flow

For many builders, contractors and earthmoving operators, purchasing heavy machinery is one of the largest investments they'll make.

Whether you're expanding your fleet, upgrading older equipment, or taking on larger projects, the right finance solution can help you access the machinery you need while preserving valuable working capital.

Why Finance Construction Equipment?

Instead of paying the full purchase price upfront, equipment finance allows your business to spread the cost over time while putting the machinery to work immediately.

Benefits Include :

✓  Preserve cash flow and working capital

 ✓ Access higher-value equipment sooner

✓  Flexible repayment options

✓  Funding available for new and used machinery

  ✓ Finance structures tailored to your business

What can be financed?

Carla Finance can assist with finance for a wide range of construction and civil equipment, including:

• - Excavators

• - Bulldozers

• - Loaders & Skid Steers

• - Cranes & Lifting Equipment

• - Rollers & Compactors

• - Graders

• - Attachments & Specialised Plant

• - Earthmoving Equipment

Both new and used machinery may be eligible, subject to lender requirements.

Finance Options Available

Chattel Mortgage

Ideal for businesses wanting ownership from day one while benefiting from competitive commercial lending structures.

Low Doc Equipment Finance

Suitable for businesses with limited financial documentation or irregular income patterns.

Hire Purchase

Provides a pathway to ownership at the end of the agreed finance term.

Equipment Leasing

A flexible option for businesses that regularly upgrade equipment or prefer not to own the asset outright.

Who is it suitable for?

Construction equipment finance is commonly used by :

• - Residential & Commercial Builders

• - Civil Contractors

• - Earthmoving & Demolition Operators

• - Plant Hire Businesses

• - Trades & Specialist Subcontractors

Finance solutions can be structured for :

• - Sole Traders

• - Partnerships

• - Companies

• - Trust Structures

New vs used Equipment

✔ Longer loan terms often available

✔ Manufacturer warranty protection

✔ Stronger resale value

✔ Greater lender flexibility

Used Equipment

✔ Lower purchase costs

✔ Suitable for growing businesses

✔ Funding available for quality, well-maintained assets

✔ Flexible solutions depending on age and condition

Things to Consider

Before arranging finance, consider :

• - Expected utilisation of the machinery

• - Project pipeline and future workload

• - Cash flow requirements

• - Loan term versus equipment life

• - Potential balloon or residual payments

The right structure can support growth and improve flexibility throughout the life of the asset. At Carla Finance, we understand that every construction business operates differently. We can identify solutions that suit you for equipment requirements, business structure, cash flow needs or growth objectives.