Asset Finance — Case Study

Heavy Machinery Fleet
Expansion via Asset Finance.

An earthmoving company financed three new excavators with a structured asset finance facility to fulfill a major civil contract.

3
New Machines
$450k
Asset Value
48h
Funding Speed

The problem.

An earthmoving contractor won a massive, lucrative civil works contract but lacked the heavy machinery required to execute it.

They needed $450,000 in equipment finance immediately to purchase three new excavators. Standard business loans were too slow and demanded property as collateral, which the owners did not want to provide.

How we solved it.

1
Specialised asset lenderUtilised a specialised asset finance lender who used the excavators themselves as the sole security for the loan.
2
Fast-tracked approvalFast-tracked the approval process by presenting the signed civil works contract to prove guaranteed future cash flow.
3
Seasonal repayment variationsStructured the vehicle and equipment loan with seasonal repayment variations, reducing the payment burden during the wetter winter months when earthmoving slows down.

The result.

The $450k equipment finance was fully funded and the machinery was delivered within 48 hours.

The business completed the civil contract ahead of schedule and permanently expanded their operational capacity.

"Fast asset finance meant we could say yes to a contract that transformed our business. Finch understood exactly how heavy machinery loans work."
— Mike T., Bay of Plenty, Earthmoving Contractor

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