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Finance For Excavators and Earthmoving Equipment

Excavators and earthmoving equipment finance. Trusted provider for over 35 years across Australia and New Zealand.

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Excavating and earthmoving equipment finance

Equipment finance for all your needs

Whether you operate in the civil construction industry, mining sector or other industry requiring reliable and quality equipment, our earthmover and excavator finance solutions will ensure you’re able to keep up with demand, operations and growth. 

As your business becomes limited by your current equipment or it wears out, you might seek to purchase new or even used earthmoving equipment like excavators, loaders and Bobcats. Many small and medium sized companies don’t have access to the required capital to invest in new machinery and vehicles. 

Often, the need for and availability of excavators and other earthmoving equipment is time sensitive. ScotPac, Australia and New Zealands’ largest non-bank lending provider, understands your challenges and can help you where many others can’t.

The lending specialists at ScotPac provide flexible, tailored and fast earthmover and excavator finance solutions for businesses of all sizes. 

We know that each individual business is different and requires different types and amounts of funding. We customise our solutions to suit the needs of our clients with flexible terms of up to 5 years and funding approval times of as little as 24 hours. If you’ve found it difficult in the past to obtain capital loans from banks or other financial institutions, make sure to speak to us today about how we can find a way to say ‘yes’.

How ScotPac can help

100% of costs

Unlike other lenders, ScotPac’s range of equipment finance solutions can provide up to 100% of the total cost of new excavators or earthmovers.

Find the Right Equipment

It doesn’t matter whether the vehicles and equipment you need are sourced locally or from overseas, our funding can be used to help you invest in your company’s assets and future.

Buy New, Replace or Fix

Whether you’re looking to expand your fleet of excavators or need to replace an old earthmover, our flexible finance solutions give you the versatility you need to ensure continued operational efficiency.

Paving the way for business growth

Earthmoving equipment, like excavators, are an essential part of many projects, both big and small. These projects keep our country moving and building towards the future, and play a vital role in developing and sustaining our critical industries such as civil and construction.

Earthmovers cover a range of vehicles and machinery such as:

  • Bulldozers
  • Backhoes
  • Skid steer loaders
  • Graders
  • Excavators 
  • And more


Due to the nature of industries that utilise these machines, excavators and other earthmoving equipment can be subject to a lot of exposure and wear and tear. For those reasons, as well as the critical roles they play in the success of projects, having the right access to excavator finance can be absolutely essential for continued operations. 

Any business that engages in large-scale or significant earth movement or manipulation would require important assets like excavators. That’s where ScotPac can help.

Whether you’re a small or larger organisation, and regardless of how complex your business or operations are, we can help you find the quick, reliable and seamless financial solutions for your machinery and equipment requirements today. 

ScotPac - Your earthmoving equipment finance provider

How do you find the right provider or earthmover and excavator finance? Here are some of the considerations to take into account in addition to just the interest rate on offer.

Loan Approval Rate and Speed

Thanks to our experience providing flexible financial solutions, we’re able to provide working capital solutions even to businesses who have struggled to obtain approval in the past. Moreover, we also can ensure approval in as little as 24 hours helping your business purchase the equipment it needs as soon as possible.

Loan Amount

Different lenders may offer different amounts of funding. Here at ScotPac, our flexible solutions can fund up to 100% of the total cost of your earthmoving and excavating machinery. 

Capital Access

Your working capital solutions need to be tailored and accessible. Our team leverages tech-enabled experiences to ensure all clients enjoy faster loan application times as well as easier and more direct access to the working capital they need

Earthmover and Excavator Finance Questions Answered

Do businesses need financials to apply?

Traditional lending institutions, such as banks, have strict and varied criteria when applying for business loans. Our tailored solutions are more flexible and need far less compliance than the normal financials required of traditional providers.

Can businesses finance used excavators and earthmovers?

Yes! Whether you’re looking to purchase new equipment, upgrade your existing assets or buy used machinery, our finance solutions will provide you with the working capital you need. In fact, ScotPac regularly fund older used assets, such as earthmoving equipment, as long as the loan’s end-of term is paid off by the time the asset is 20 years old.

What will the interest rate be?

Interest rates with earthmover and excavator finance can be affected by various factors including loan terms, funding amount, and other particular aspects of a business’s financial requirements. There are also macro-economic and wider-spread market conditions that can impact rates

Can only earthmoving machinery be financed or other equipment too?

ScotPac provides small-to-medium sized enterprises with comprehensive and tailored financial solutions for purchasing assets and equipment of all kinds. Think of our capital loans as the business fuel to take your company to the next level. To find out more about what sort of finance solution is right for you, make sure to reach out to your local ScotPac office and lending specialists.

Our Solutions

ScotPac offers a wide range of business and commercial finance solutions that help you get the funding you need. Choose the right financing solution for your business.