Excavator Finance
Whether it is a 1.7 tonne machine for tight residential work or a 20 tonne unit on a civil contract, an excavator is bought to earn from week one. Dynamic Finance arranges excavator finance across every major brand, for new and used machines.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
Excavator Finance with Dynamic Finance
No manufacturer targets. We work for you, not dealership sales quotas.
We finance machines bought from dealers, privately, at auction and from hire fleets, and we check the PPSR before settlement so you are not buying somebody else's debt.
Choosing Dynamic Finance means working with a finance partner who understands that a machine is bought to earn, not to sit. All finance is subject to lender assessment and approval.
Experience the Dynamic Finance difference. From competitive rates to repayments matched to your season, we make financing your excavator simple, transparent and stress-free. Apply online now or contact us for a personalised consultation.
Seasonal and irregular income
Farming and contracting income does not arrive in twelve equal instalments, and finance priced as though it does puts pressure on exactly the months that are already tight.
Several of our lenders will structure repayments around a season, a harvest or a contract, including deferred first payments and irregular schedules. If your income is lumpy, tell us when it actually lands and we will work to that rather than to a calendar.
Common questions
Can I finance an excavator bought at auction?
Yes. Auctions require cleared funds quickly, so it is worth having finance approved before you bid. We can settle directly with the auction house so the machine is not lost while paperwork is still being read.
Do lenders look at hours or age?
Both, but hours usually matter more on plant. A well-maintained machine with moderate hours often prices better than a newer one that has been worked hard, and a lender pricing purely off the year on the plate will give you a worse answer than the deal deserves.
Can attachments and buckets be included?
Usually, where the deal supports it. Buckets, hitches, augers and thumbs can generally be financed alongside the machine, so it arrives ready to work rather than in pieces and paid for out of cash flow later.
Can repayments be structured around my contracts?
Often. Where a machine is going onto contracted work, several lenders will structure repayments against that income rather than applying a flat monthly schedule.
What sets us apart
Financing through us means independence, transparency and a person who answers the phone - instead of a finance desk with targets to hit.
Dynamic Finance
An independent broker working for you
- A panel of lenders, so the options compete for your business.
- Rates and terms matched to your situation, not one lender's product sheet.
- One adviser from application through to payout.
- Private and dealer purchases handled the same way.
Dealership finance
The finance desk down the hall
- Usually one lender, or a small panel you never see.
- Finance margin is part of the deal being negotiated.
- Handed between salesperson, finance manager and lender.
- Tied to the vehicle on their lot.
How it works
Tell us about the machine
Make, model, hours, and whether it is coming from a dealer, privately or a clearing sale.
We structure it around your season
Repayments matched to when the money actually comes in, not to a standard schedule.
Settled and working
We deal with the seller or the auction house directly so the machine can start earning.
Get the machine working
Tell us what you are buying and when your income lands, and we will structure something that fits.