Is this right for you?
This is for WA-based dry hire operators, equipment rental businesses, and construction and civil plant hire companies.Typical clients are managing high-utilisation excavator, telehandler, and skid steer fleets and expanding into infrastructure and mining demand.
If you're turning over $1M–$15M and need to scale fleet capacity ahead of project commitments - you're in the right place.
The industry reality.
WA plant hire operators manage in a capital-intensive market where revenue depends directly on fleet availability and utilisation. Mining, civil, and infrastructure projects generate strong demand — but scaling fleet capacity requires significant upfront investment that typically precedes the revenue it will generate. Rising machinery costs, maintenance expenses, and project-based cashflow cycles place constant pressure on liquidity.
Plant hire businesses routinely acquire assets before utilisation revenue is fully realised. Businesses that structure finance strategically preserve working capital, maintain newer and more reliable fleets, and respond quickly to large-scale contract opportunities. Fleet refinance is also a practical growth tool — releasing equity from existing machinery to fund additional capacity without new capital injection.
Equipment we finance.
Excavators
Mini excavators
Mid-size (8T–20T)
Large hydraulic excavators
Long reach excavators
Wheeled excavators
Telehandlers
Compact telehandlers
Heavy-duty (7–20m lift)
Rotating telehandlers
Rough terrain units
High-reach construction units
Skid Steers
Wheeled skid steers
Tracked skid steers
High-flow hydraulic units
Mini skid steers
Multi-tool carriers
Light Towers
Diesel LED light towers
Solar hybrid units
Towable site lighting
High-mast mobile towers
Silent low-emission units
Site Vehicles
Dual-cab 4WD site utes
Crew cab utilities
Service body vehicles
Light commercial site trucks
Mine-spec compliant vehicles
Not on the list? Get in touch - we finance across a wide range of civil plant and equipment.
How we structure it.
Plant hire operators operators don't all have the same cashflow profile.
We structure repayments around how your business actually earns, your future cash-flow position and current working capital position and match it with the right Lender.
Chattel Mortgage
Suited to operators focused on long-term fleet ownership and balance sheet asset value. Own the asset from settlement, access GST credits immediately, and benefit from fixed repayments for cashflow predictability.
Master Lease Agreement
Flexible facility structure for staged fleet expansion. Enables asset additions under a single approval framework — reducing turnaround time and allowing you to respond at project speed, not lender speed.
Fleet Refinance
Release equity from existing plant and equipment to fund new capacity, strengthen working capital, or cover deposit requirements without new equity injection. A common growth strategy for established WA hire operators.
For a full breakdown of finance options - chattel mortgage, master lease agreement, and fleet refinance - head to our equipment finance overview page.
Ready to put the right machine to work?
Whether you're purchasing your first excavator, expanding a hire fleet, or refinancing existing plant — we'll structure it properly from the start.
Speak to a WA plant hire finance specialistIndustry FAQs
What is the best finance structure for a dry hire business?
The best structure depends on fleet size, asset turnover strategy, cashflow requirements, and long-term ownership objectives. Many operators balance flexibility and liquidity over simply minimising repayments. Habitat Capital models multiple structures before any submission.
Can I finance plant and attachments together?
Yes. In most cases we can bundle the primary asset and attachments into a single finance facility, which simplifies paperwork and keeps repayments consolidated. This is worth discussing upfront rather than treating attachments as a separate purchase.
Can I finance equipment purchased at auction?
Often yes. Used equipment finance is common for fleet expansion strategies, particularly for operators managing capital carefully. Approval typically depends on asset age, condition, hours worked, and business financial strength.
Can I finance used or older plant?
In many cases yes. Lenders assess asset age, condition, and hours alongside business financial position. Habitat Capital identifies the right lender for the specific asset profile rather than applying a one-size approach.
How does equipment finance affect my capacity to win future contracts?
Available fleet capacity and preserved working capital allow you to mobilise quickly when a project is awarded. Hire businesses that fund fleet from cash reserves often find themselves undercapitalised when infrastructure demand accelerates.