When opportunity knocks in business, timing and the right support make all the difference — especially in civil construction.
This was exactly the case for one of our clients, a regional Queensland-based contractor, who needed to move fast to secure a third dozer to meet growing demand. Here's how we helped them do it — and increase their monthly profits by over $13,000.
The Client: From Operator to Owner
Starting as a dozer operator for a leading civil construction company, our client made the leap into business ownership two years ago — purchasing his first machine to hire back as a subcontractor. With two dozers already working on job sites and demand showing no signs of slowing down, he needed to act fast to add a third machine to his fleet.
The Finance Challenge
The client had his eyes on a low-hour 2019 Caterpillar D6T Dozer priced at $468,000. But there were hurdles:
- He needed to preserve working capital.
- His current lender had maxed out their exposure to him.
- Historical financials.
- The machine needed to be on-site within two weeks.
The Solution: Strategic Lending That Worked
We sourced funding from a non-major lender with a strong appetite for yellow goods and established clients in civil construction. Here’s what made the difference:
- Presented a complete application, including accountant-prepared financials, a work source letter, and cash flow forecasts.
- Negotiated a deal with only a 10% deposit upfront and GST deferred to month 4 — helping preserve cash.
- Achieved fast approval (within 48 hours) and settled in just 5 days.
The Result
With financing in place:
- The client secured the dozer before a critical project deadline.
- Monthly repayments came in at approx. $9,950 (ex. GST).
- The additional machine enabled an increase in net profit of ~$13,000/month.
Takeaway for Business Owners
This case highlights how understanding lender appetite and presenting a well-supported application can be the key to unlocking growth — even when traditional financials aren’t perfect.
If you're in civil construction or any capital-heavy industry, the right finance partner can help you take the next big step — without risking your cash flow.
Need help navigating equipment finance?
We’ve got the lender network, expertise, and turnaround time to help you seize your next opportunity.
