Civil contractors
Road formation, pavements and infrastructure.
Grader Finance
Finance for the grader and the work ahead.
New and used graders, GPS machine control and work-specific fit-outs for civil contractors. Explore low doc, full doc and master limits for eligible fleets with James and Dan, who prepare the credit case and manage the lender process.
Speak with James and Dan ↗Let’s grow together.
Tell us about the next purchase you have in mind.
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The businesses we work with
Mining & quarry
Haul roads, site maintenance and rehabilitation.
Rural & road contractors
Rural roads, access tracks and property work.
Subdivision contractors
Roadworks and staged development projects.
Plant hire
Graders purchased for hire and contracted work.
Buying your first grader?
Starting out? We’ll guide you through your first grader finance application, from lender requirements to deposit and repayment options.
Growing your fleet?
From one machine to 200-plus assets, we help small, medium and large businesses plan their next purchase, assess major-bank and non-bank options, and preserve room to grow.
Any make. Any model. The grader for your work.
MFG can help finance any make and model of grader, from small machines to large production equipment.
The machine and the attachments
GPS and machine control, blades, rippers, scarifiers and other aftermarket attachments.
Dealer, private sale or auction. New or used, any age or condition, run the purchase past us. We’ll assess the equipment and lender options with you.
Any age
Any asset
Any model
Any asset
Any model
Get to know who you’re working with
Deal directly with James Allan and Daniel Salajan. With 35 years of combined experience across bank credit and broking, we help business owners finance the next purchase and plan for the fleet beyond it.
Meet James and Dan ↗What genuine experience can make possible
Six client stories from equipment businesses. Purchases, fleet growth and funding decisions planned together.
More than 200 assetsover 10 years.Read the story ↗
Seven new Kobelcos toupdate an ageing fleet.Read the story ↗
From business acquisitionto quarry mobilisation.Read the story ↗
Scaling to over 66 piecesof equipment in 4 years.Read the story ↗
A fleet readyto follow the work.Read the story ↗
From startup to three CATdozers in three years.Read the story ↗
Buying through a dealer, privately or at auction?
We work with business operators Australia-wide. Bring us the machine, the seller and the purchase timing.
New or used through a dealer
Bring us the machine, supplier quote and delivery timing. We can assess the grader and proposed fit-out together. Older graders are welcome for assessment too.
Buying from a private seller
We liaise with your vendor on the paperwork the lender needs and manage the finance through to settlement, including payment to the seller.
Buying at auction
Speak with us before bidding. We work through the machine, auction terms and funding approval so you understand your purchasing budget and settlement requirements.
Still shopping? Start with a pre-approval.
You can start the finance conversation before choosing the final machine. We can assess your position and establish a budget to shop within, subject to lender and asset conditions.
Buying at auction? Organise finance before bidding, so you understand the funding amount, conditions and settlement deadline.
Talk through a pre-approval ↗Finance the grader with the fit-out it needs
Accurate grading takes more than the base machine. Bring us the grader, machine-control system and proposed upgrades so we can assess the complete purchase.
We work through supplier quotes, installation timing and lender options before settlement.
Control and accuracy
- GPS and machine control
- Grade-control systems
- Laser guidance
Ready for the work
- Blades and cutting edges
- Rippers and scarifiers
- Work lights and operator upgrades
Brokers who go beyond the approval
A well prepared credit case, a clear view of capacity and a plan for the equipment you’ll need next.
Business owner to business owner
We’re an owner-led boutique brokerage without a sales team, sales KPIs or targets. We consult directly with business owners, taking the time to understand the machinery, the business and what comes next.
We see opportunities others miss
James and Dan have worked in bank credit and broking. We review the financials, existing debt and supporting information before approaching lenders, and work with you and your advisers to explain material entries or changes clearly. A well prepared application gives lenders a fairer picture of the business.
Your approval today shapes your next move
We map fleet debt, lender exposures and available capacity between lenders. Deposits, repayments, balloons and replacement timing are considered together, so this grader purchase keeps your future equipment needs in view.
Already paid cash for your grader?
If you’ve recently purchased a grader outright, we can assess sale and buyback finance to return funds to the business’s trading account. We work through the purchase documents, ownership, timing and lender requirements.
Discuss sale and buyback ↗
Rebuilt the machine? Explore the equity
A rebuild or overhaul can leave substantial cash tied up in a working grader. We can assess its current value, existing debt and available equity to explore releasing funds back into the business.
This is an assessment of value and available equity. It does not automatically reimburse every dollar spent on repairs or rebuilding.
Discuss the machine’s equity ↗Finance for the purchase, the fleet and the business.
Got more than a grader to finance? Bring us the full picture.
We can help assess excavators, graders, loaders, trucks, trailers, commercial work vehicles and other business equipment, alongside fleet replacement plans and appropriate business funding.
The purchase
One machine, its attachments and the right repayment structure.
Equipment finance ↗The fleet
Multiple purchases, trade-ins, replacement programs and equipment limits.
Earthmoving & civil finance ↗The business
Working capital and existing commitments considered alongside equipment debt.
Business lending ↗Run the numbers to plan your next move
See how term, rate, balloon and payment timing change the monthly commitment.
Estimated monthly repayment$6,922.17Payments in arrears
Total repaid, including balloon$415,329.96
Estimated interest$65,329.96
Balloon at end of term$0.00
Amount financedInterest
Illustration only. Assumes a fixed nominal annual rate divided into monthly periods, level monthly payments and a balloon due at the end. Excludes fees, taxes and insurance. In advance means the first repayment is made at the start. This is not a lender quote.
Talk through the purchase →Fully accredited, ethical, insured and trustworthy.
MFG is directly accredited with all major banks, alongside an extensive panel of non-bank, specialist and private lenders.
CAFBA 101556
FBAA M-359967
AFCA 89354- Never lost a lender accreditation
- Not reliant on another firm’s accreditations
- No shared commissions or kickbacks with referrers
- No upfront establishment fees; we’re paid by lenders
- Insured, accredited, independent and trustworthy
Our lender panelMajor banks · non-banks · specialist and private lenders
Panel shown is indicative and subject to lender accreditation, credit policy and transaction requirements.
Grader finance questions
Can you finance an older grader?
Older graders are welcome for assessment. Age, condition, value and the proposed loan term affect the lender options.
Can I buy privately or at auction?
We can assess both pathways. Speak with us before committing, particularly where auction settlement deadlines apply.
Can attachments and modifications be included?
We can assess the grader and proposed fit-out together using supplier quotes and installation timing.
Can I start before choosing a machine?
Yes. We can assess your position and discuss a pre-approval, subject to lender and asset conditions.
Can you help replace several machines?
Yes. Bring us the proposed purchases, trade-ins and existing debt schedule.
Give your business the finance it deserves
Tell us about the grader, the work it will do and what you’re planning next. James and Dan will work through the purchase in the context of your business.
Tell us what you’re working towards.
Buying your first machine? Replacing a fleet? Start with the situation as it is. We’ll talk through the assets, the timing and what the next decision means for your business.
Let’s grow together.
Replacing equipment or planning the next purchase? Tell us what you have in mind.