Yes, both new and used construction equipment can be financed, provided it meets lender requirements around age, condition and resale value.

Many lenders are comfortable financing second-hand construction machinery such as scaffolding systems, generators, site equipment, cranes and tools, especially when purchased from reputable suppliers. Used equipment can be a cost-effective way to expand your capabilities without large upfront costs.

Ausloans helps match your equipment and business profile with lenders that support used construction assets, improving your chances of approval and suitable loan structures.

Yes, many lenders offer construction equipment finance for ABN holders, subcontractors and small trade businesses.

Whether you’re a builder, tradie or subcontractor, you may be eligible to apply using your ABN. Some lenders offer low-doc options using bank statements or BAS, which can be helpful if you don’t have full financials.

This makes it easier for independent contractors and growing construction businesses to access the equipment they need to take on more work.

Yes, equipment finance can be structured to support specific projects or contracts.

Some businesses finance equipment to fulfil a particular job, contract or expansion phase. Lenders may consider your project pipeline, contracts or expected income when assessing the application.

Flexible structures such as tailored repayment terms or shorter loan periods may be available depending on the project scope. Ausloans can help structure finance that aligns with your workload and project timelines.

Yes, many lenders allow you to bundle multiple construction assets into a single finance facility.

This can include tools, machinery, site equipment and infrastructure such as site sheds or safety systems. Bundling assets into one loan can simplify repayments and reduce administrative complexity.

Ausloans brokers can help structure multi-asset finance solutions tailored to your business setup and growth plans.

Yes, many lenders offer finance lease options, which can work similarly to a rent-to-own arrangement.

With a finance lease, the lender owns the equipment and you make regular payments to use it over an agreed term. This can help reduce upfront costs and preserve working capital while still giving you access to the equipment you need.

At the end of the lease, you may have options such as upgrading the equipment, extending the lease, or paying a residual amount to take ownership, depending on the agreement.

Ausloans works with lenders that offer finance leasing structures and can help determine whether a lease or ownership-based option like a chattel mortgage is better suited to your business and cash flow.