Greenside Finance team · Updated October 2026
Greenside Finance arranges excavator and earthmoving equipment finance across Western Australia, for new or used machines bought from a dealer, at auction or from another business. We're Perth-based finance brokers comparing 40+ lenders for owner-operators, civil contractors and Pilbara and Goldfields crews, lending Australia-wide.
Get a free quote Call 1800 147 336
40+ lenders compared · Perth-based, Subiaco office · No credit check to request a quote
Other machinery? See equipment finance.
| Factor | What it means for you |
|---|---|
| ABN and GST age | Some lenders take a new ABN with industry experience and a deposit. More open up at 12 months; the widest choice is around 2 years of ABN and 1–3 years of GST. |
| Property | Owning property is the biggest lever for no-deposit and low doc approvals. |
| Deposit | Without property, many lenders want 10–20% as cash or a trade-in machine. |
| Machine age and hours | Many lenders fund earthmoving gear to around 15–25 years old at the end of the loan. Older or high-hour machines may need a valuation or a shorter term. |
| Industry | Machines on mine sites are fine at most lenders, but some are cautious with businesses earning mainly from mining. We match you to lenders comfortable with your work. |
| Income pattern | Contract and seasonal income is normal. Bank statements and a contract or forward work list explain gaps such as the northern wet season. |
| Credit | A clean file opens the panel. Defaults narrow it. |
Plenty of WA machines change hands at auction, online, or between contractors. Most lenders fund these, though some price private sales higher.
Low doc:
Full doc: all of the above plus two years of tax returns or financials and ATO notices of assessment.
Low doc suits established operators (usually 2+ years of ABN, GST-registered, ideally owning property) whose tax returns aren't current. Full doc suits newer businesses, larger fleets and bigger single machines, and can earn sharper pricing. More: low doc loans.
Real client example. Details changed to protect privacy. A drainage contractor bought two excavators from another business, company to company. The PPSR showed both still carried the manufacturer's finance. We started the discharge with the manufacturer's finance arm the day the deal was quoted and arranged a statutory declaration with remote witnessing. The lender settled once the discharge was in hand.
Yes. Most lenders fund auction purchases. Get pre-approved before the sale and send us the docket and serial number straight after.
Often, yes. Many lenders fund earthmoving equipment up to around 15–25 years old at the end of the loan. Older or high-hour machines may need a valuation or a shorter term.
Yes, if they're bought with the machine and listed on the invoice. Buckets, hitches, breakers and augers are common.
Some lenders will, especially if you've operated machines as an employee before. Expect a deposit or property backing, and fewer choices until your ABN reaches 12–24 months.
Often, yes. We apply to a lender for pre-approval to a set limit, so if it's approved you bid knowing your ceiling. The lender confirms the machine after the sale.
Property owners with an established ABN often don't. Without property, many lenders want 10–20% in cash or trade-in.
No, but it needs time. We find every registered interest on the PPSR and arrange the discharge before settlement. Start early: discharges can take days.
Two quick steps. No credit check to request a quote.
Greenside Finance Pty Ltd (ABN 76 678 053 122) is an Authorised Credit Representative (#561052) of Fintelligence Pty Ltd, Australian Credit Licence #511803. Unit 5/531 Hay St, Subiaco WA 6008 · 1800 147 336. All finance is subject to lender approval, terms, conditions and fees. Information on this page is general and doesn't consider your objectives, financial situation or needs.
