One grader became a whole-fleet relationship.
James and Anthony work through the commitments, capacity and timing before the next machine needs to move.
A used grader opened a much bigger conversation
Anthony and Jayne Goetsch run KBH Earthmoving in Queensland’s Scenic Rim. When they were buying a 2016 Cat 12M grader in 2022, they needed a finance partner who understood civil equipment and could respond at the pace of a working contractor.
James Allan started with the grader, then looked across the business: its accounts, the machines already at work, existing repayments and the jobs ahead. The point was to know where the next purchase could sit before another machine came onto the market.
Finance that kept pace with the work
KBH undertakes road construction and maintenance, earthworks, paving and concreting for civil and private clients. Its fleet has grown from roughly 20 to 30 assets when MFG became involved to close to 100. MFG has supported more than 66 equipment purchases over the relationship.
That growth let KBH bring more capability into its own operation instead of relying as heavily on hired plant and subcontracted machinery. Excavators, graders, tippers, water carts and attachments each solved a practical job requirement. James and Anthony could discuss the next machine against the whole fleet, rather than apply for it in isolation.
A lender schedule behind every purchase
MFG reviewed the fleet and finance commitments, mapped which lenders already had exposure and considered where suitable capacity remained. As the business expanded, its equipment funding sat across a broad mix of major banks, non-banks and specialist lenders.
Some purchases were new, others used; some came from dealers, private sellers or auctions. When the right asset appeared, settlement could sometimes be needed within one to three days. Having the lender position and financial information ready made those time-sensitive conversations more practical, although every approval and settlement still depended on the transaction.
Bringing concrete supply closer to home
Reliance on external concrete deliveries could complicate KBH’s civil and construction jobs. Anthony and Jayne considered a concrete division that could supply their own work and serve other local customers. Before committing, they talked through the equipment, likely operating costs and funding requirements with MFG.
The package brought together a Thomas Manufacturing mobile batching plant, concrete agitator trucks, a water cart, tanker trailer and CAT 910K wheel loader. MFG placed suitable assets across a major bank and non-bank lenders, matching each purchase to available capacity rather than asking one lender to carry the entire expansion.
Keep the wider cash demands visible
Fleet growth brings insurance, tax and working-capital questions alongside repayments. James has worked with KBH and its accountant on financial information and funding plans, and MFG has helped arrange insurance premium funding, including a 12-month repayment structure where available under the funder’s terms.
The fleet schedule is a working tool, not a trophy cabinet. It lets Anthony and Jayne see existing debt, possible lender capacity and the effect of one decision on the next piece of plant.
Room for the next generation
KBH is a family operation, with Anthony and Jayne’s sons and daughter involved in the business. The scale of the fleet and the move into concrete supply reflect years of work by the family and its team.
Our role is to keep the finance position clear and be ready when the next job calls for another machine. Anthony can ring before a purchase, work through the numbers with James and know what needs to happen to put equipment to work.
See the whole fleet.
A schedule of assets, commitments and lender exposure helps identify where the next purchase might fit.
Move when equipment appears.
Prepared financial information helps MFG respond to dealer, private-sale and auction opportunities when timing is tight.
Fund a capability, not just a machine.
The concrete division required batching, delivery and support equipment considered as one operating plan.
The equipment behind KBH
A compact schedule of the types of plant in KBH’s growing fleet and equipment program. It is not a claim that MFG financed every asset listed.
Earthmoving & roadwork
- Cat and Hitachi excavators, roughly 10 - 40 tonnes
- Cat 12M and 140M, and John Deere 670GP graders
- Wheel loaders and skid steers
- Rollers, compactors and road pavers
- Excavator tilt rotators and grapples
Transport & site support
- Kenworth and Mack tipper trucks
- Dog trailers
- Prime mover and low loader
- Water carts and water trucks
- Telehandlers, tractors and forklifts
Concrete & technology
- Thomas Manufacturing mobile batching plant
- Concrete agitator trucks
- Concrete tanker trailer
- CAT 910K wheel loader
- GPS machine control systems
Call before the next machine.
Anthony and Jayne know their work and their equipment. My job is to know where the finance sits, talk through the next decision honestly and help them move when the right asset comes up.
James Allan, MFG Finance
Ready to bring the next capability in-house?
From one machine to a new division, let’s work through the fleet and the funding before the opportunity arrives.
Let’s Grow Together
