Excavator and earthmoving finance, structured for the job ahead.

Funding the machine and the reason you are buying it

Rockwall Finance arranges finance for excavators and earthmoving equipment across Perth, WA and Australia wide: diggers from one tonne to mining class, wheel and track loaders, dozers, graders, skid steers, rollers, dump trucks and the attachments that turn a machine into a business. We are brokers with a credit background, which shows up in how we structure these deals: around the contract the machine is being bought to win, not just the invoice.

Most earthmoving purchases happen for a reason: a job won, a job being tendered, a wet hire opportunity, a subcontract that outgrew the current fleet. That context belongs in the credit story. A lender who understands that the machine starts earning in week one reads the application differently from one handed a bare asset request, and presenting that story properly is half the value of using a broker who knows the industry.

What we finance

• Excavators from mini to mining class, new and used
• Loaders, dozers, graders, skid steers and rollers
• Articulated and rigid dump trucks, watercarts and compaction gear
• Attachments: buckets, hammers, tilt hitches, augers and couplers, bundled with the machine
• Dealer sales, auction purchases and private sales
• Float and transport costs wrapped in where the lender allows

Auctions and private sales, done in the right order

A large share of WA's earthmoving gear changes hands at auction and through private sales, and both reward preparation. Auction houses want settlement in days and add a buyer's premium on the hammer price, so the finance has to be arranged before you bid, not after. Private sales need ownership verified, encumbrances checked and sometimes an inspection on older machines. We run pre approval against your budget range first, so the machine you win is a machine you settle. If a deadline is involved, including the end of the financial year, our EOFY settlement guide covers what can realistically move and how fast.

Older machines are fundable, with honest structuring

The question on used gear is never just the price; it is the machine's age when the loan ends. Credit teams set limits there, which shapes the term, and hours and condition shape the lender field. A well bought ten year old excavator on a sensible term is a clean deal. The same machine on a seven year term with an oversized balloon is a problem in year five. We structure the term and any balloon against the machine's realistic working life and trade cycle, and we will tell you plainly when a machine's age makes the finance more expensive than it is worth.

One machine or a fleet position

For operators running several machines, each new purchase sits inside a bigger picture: existing equipment debt, contracts in delivery, working capital through mobilisation. Sometimes the right move is not one more loan but a restructure that frees cash flow across the fleet. That whole of operation approach is the same work we do on mining and civil equipment, where the funding covers the job and not just the machine, and across equipment and asset finance generally. For seasonal earthworks tied to farm programs, our agricultural equipment finance page covers repayments that follow the season.

And if you buy plant more than once a year, the smartest move is often a master asset finance facility: an approved limit set up in advance that you draw against as machines come up. With it already in place you bid and buy like a cash buyer and settle fast, instead of starting a new application every time. We will tell you whether your trading history supports one and put it in place before you need it.

Frequently asked questions