Can I get ute finance as a sole trader plumber?

Yes. Most lenders on our panel offer ute and van finance to sole traders with an ABN. Typical requirements include 6-12 months trading history, a valid ABN, and recent bank statements.

What documents do I need for plumber ute finance?

Typically you need a valid ABN, driver's licence, 3-6 months of business bank statements, and details of the vehicle. Low-doc options require less paperwork.

How quickly can I get approved?

Straightforward applications with complete documentation can receive indicative approval within hours. We aim to contact you within 10 minutes during business hours.

Can I finance a used ute or van?

Yes, most lenders finance both new and used vehicles with varying age limits and rate structures.

Can I bundle a canopy or fitout into the finance?

In many cases yes. Some lenders allow you to finance the vehicle and aftermarket fitout together in one facility.

Earthmoving Specialist

Earthmoving Equipment Finance for Operators Who Dig, Load & Grade

Finance your next excavator, loader, skid steer, or grader. Whether you’re a civil contractor, earthworks operator, or one-machine owner — we find the right lender and get you on site faster.

Get a Fast Quote Check Eligibility

70+ lenderson our panel

Australian teamnot a call centre

Brokers available now

Get Your Quote in 60 Seconds

No obligation. No credit check. We call you back.

What We Finance

Every Machine an Earthmoving Operator Needs

From a 1.7-tonne mini to a 30-tonne long-reach. New, used, and attachments. We know the difference and so do our lenders.

Excavators

Mini, midi, and full-size. Cat, Komatsu, Kobelco, Volvo, Kubota, Yanmar. The core earning machine.

Loaders & Skid Steers

Wheel loaders, skid steers, compact track loaders. For earthworks, landscaping, and construction.

Graders & Rollers

Motor graders, smooth drum and padfoot rollers. For road construction, civil works, and compaction.

Attachments & Mods

Finance buckets, rippers, hammers, augers, and tilt hitches together with the machine or separately.

Who This Is For

Whether You’re Running One Machine or a Fleet

We hear the same stories every week. See if yours sounds familiar.

Owner-Operators

Single machine operators with ABN
Subcontracting to builders and civil
Wet or dry hire operations

“I run a 14-tonne Kobelco and need a second machine to take on a bigger subdivision job.”

Civil Contractors

Subdivision and road projects
Government and council contracts
Fleet expansion and replacement

“We’ve got 3 subdivision stages starting this quarter and need 2 more excavators on site.”

Landscapers & Pool Builders

Mini and midi excavators
Skid steers and compact loaders
Residential and commercial projects

“I do pool builds and landscaping. Need a 5-tonner that I can float between sites.”

New Operators

Experienced operators going out on their own
New ABN with industry background
Asset-backed approvals possible

“Been operating excavators for 12 years. Just went out on my own and the bank won’t touch me because my ABN is new.”

How It Works

From First Call to Keys in Hand

No surprises. No bank runaround. Here’s exactly what happens after you hit “Get My Quote.”

You Tell Us What You Need

Fill in the 60-second form or call us. Just the basics: what vehicle, roughly how much, and your contact details.

60 seconds

A Real Broker Calls You Back

An Australian-based specialist calls to understand your situation. Not a chatbot. Not a call centre. A broker who knows plumbing businesses.

Within business hours

We Match You to the Best Lender

We search across our lender panel to find the option that fits your profile, budget, and timeline. You send docs — we do the legwork.

Approved. Settled. On the Road.

You get approval, sign the paperwork, and drive your new ute or van to your next job. That’s it. You’re earning.

Real Results

Earthmoving Businesses Who Got Sorted

Don’t take our word for it. Here’s what happened when these businesses came to us.

“

Financed a 14-tonne Kobelco with a tilt hitch and 3 buckets. They bundled the lot into one deal. The machine’s been earning since day one on a subdivision job.

Craig D.

Owner-Operator, Ipswich

Machine + attachments bundled

“

Needed two skid steers for a subdivision contract. They got both approved inside a week. The builder was impressed we could mobilise that fast.

Brett A.

Civil Contractor, Newcastle

2 machines in 1 week

“

Went from employee to owner with my own 5-tonner. Only 8 months on my ABN but they found a lender who backed my experience. Fair rate too.

Luke F.

New Owner-Operator, Cairns

Approved with new ABN

Questions & Answers

Frequently Asked Questions

It depends on machine age, hours, and condition. Many lenders finance used earthmoving equipment with age or hour limits. Well-maintained machines from reputable brands get better terms.

In many cases, yes. Buckets, hammers, augers, tilt hitches, and other attachments can often be included in the same finance facility.

Yes. There are lenders who work with new businesses, especially if you have relevant industry experience. ABN, deposit, and clean credit help significantly.

Yes. We finance everything from 1-tonne mini excavators through to 30+ tonne machines. Minis are popular with landscapers and pool builders.

The finance structure is the same regardless. But lenders like to see the machine will generate income — contracts or regular clients help.