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Excavator & Earthmoving Finance
Finance for excavators, bulldozers, graders, scrapers, and compaction equipment. New and quality used assets considered. Structures to suit owner-operators and larger fleet operators alike.
Sector Finance · Broker
Construction Equipment Finance Mackay
Fast, flexible finance for earthmoving, civil construction, and infrastructure businesses across Mackay, Queensland, and Australia.
About this finance
Construction moves fast — and your finance needs to keep up. Whether you're winning a new civil contract and need to mobilise equipment quickly, or you're expanding a fleet to meet project demand, Loxent Finance provides construction equipment finance that matches the pace of the industry. Based in Mackay with deep connections across Queensland's construction and infrastructure sector, we know how to structure earthmoving and construction finance that protects your cash flow and gets you on site.
Finance products
The right structure for your situation.
We match you to the product that fits your tax position and cash flow — not the first lender that says yes.
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Crane & Lifting Equipment Finance
Specialist finance for mobile cranes, elevated work platforms, and lifting equipment. High-value assets accepted by lenders who understand construction risk.
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Civil Fleet Finance
Package finance for mixed fleets including light vehicles, service vehicles, and support equipment. Streamlined management with a single point of contact.
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Hire Purchase & Chattel Mortgage
Tax-effective ownership structures for construction businesses. Claim depreciation and interest as deductions while maintaining full use of the asset from day one.
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Novated & Operating Lease
Off-balance-sheet options for businesses that prefer predictable costs and equipment flexibility — particularly suited to project-specific or short-tenure equipment needs.
Why Loxent
What makes the difference.
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Contract & Project Finance Experience
We understand that construction income is project-based and lumpy. We work with lenders who assess construction businesses appropriately — not just on tax returns.
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High-Value Asset Specialists
Comfortable with high-value construction equipment. Our lender panel includes specialist heavy equipment funders not available to most applicants.
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Fast Approvals
When you win a contract, you need equipment on site — not weeks of bank delays. We target 24–48 hour approvals for qualified applicants.
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Mackay & Queensland Focus
Local knowledge means faster assessment, smarter lender selection, and better outcomes for construction businesses operating in our region.
Ready for a quote?
First call costs nothing. Tell us what you're financing and we'll come back with options.
Common questions
Questions we hear most.
Can I get excavator finance in Mackay with a young business?
Yes, though the options and rates depend on how long you've been trading and what financial documentation you can provide. For businesses under 2 years old, we can often work with alternative lenders who place greater weight on the asset quality and operator experience than on trading history. Get in touch and we'll assess your situation honestly.
What is the best finance structure for earthmoving equipment in Queensland?
For most GST-registered construction businesses, a chattel mortgage is the most tax-effective structure — you own the asset from day one and can claim interest and depreciation. If you'd prefer to preserve capital and keep equipment off the balance sheet, a finance or operating lease may be more appropriate. The right choice depends on your tax position and business strategy.
Can I finance used construction equipment in Queensland?
Yes. Quality used construction equipment is regularly financed through our lender panel. Age, hours, condition, and asset type all factor into the assessment. We'll let you know upfront what's achievable before you commit to purchasing.
How does construction fleet finance work?
Fleet finance allows you to bundle multiple asset purchases under a single structured facility. This simplifies administration, can improve your overall rate (due to volume), and gives you a single point of contact for your entire fleet. It works particularly well for growing construction businesses that are regularly adding to their fleet.
How fast can I get construction equipment finance approved?
Simple, well-documented applications for established businesses typically achieve approval in 24–48 hours. Larger or more complex deals may take 3–5 business days. We prioritise applications where timing is critical — just let us know your settlement deadline upfront.