Construction & Civil Contractors

Practical finance options for contractors purchasing machinery, equipment, and project assets.

Practical finance options for contractors purchasing machinery, equipment, and project assets.

Construction and civil businesses often need funding before the work is fully paid. Equipment may be needed upfront, progress claims may create timing gaps, and larger contracts can require mobilisation costs before revenue is received.


GEA Capital helps construction and civil contractors compare finance options for machinery, yellow goods, project funding, contract mobilisation, working capital, and equipment purchases. We help structure the application around the project, asset, cashflow, and lender requirements.


The goal is to make the funding process clearer so contractors can focus on delivering the work, not chasing unclear finance pathways.


Common Finance Needs for Construction & Civil Contractors


GEA Capital can help construction and civil businesses explore finance options for:

Excavators, loaders, and yellow goods

Excavators, loaders, and yellow goods

Machinery and heavy equipment

Machinery and heavy equipment

Trucks, trailers, and commercial vehicles

Trucks, trailers, and commercial vehicles

Project mobilisation costs

Project mobilisation costs

Progress claim funding

Progress claim funding

Materials and supplier payments

Materials and supplier payments

Equipment upgrades or replacement

Equipment upgrades or replacement

Contract-based funding needs

Contract-based funding needs

Working capital between payment cycles

Working capital between payment cycles

Asset refinance and equity release

Asset refinance and equity release

Who is this for

Builders

Civil contractors

Earthmoving businesses

Excavation contractors

Plant and machinery operators

Construction subcontractors

Contractors managing progress payments

Businesses purchasing yellow goods or heavy equipment

Operators taking on larger projects or contracts

How GEA Capital Helps

We understand the project or asset requirement

We look at what needs to be funded, whether it relates to equipment, mobilisation, cashflow, or a specific construction contract.

We compare suitable funding pathways

The right option may be asset finance, working capital, progress claim funding, or a more structured lending solution. We help compare the available pathways.

We help present the deal clearly

Construction funding often needs more context than a simple loan request. We help organise supporting documents, project details, and business information for lender assessment.

We support timing-sensitive applications

When equipment or project funding is time-sensitive, we help keep the process organised so the application can move forward with fewer avoidable delays.

Explore solutions built around your funding needs

Asset & Equipment Finance

Finance for vehicles, machinery, equipment, and business assets, structured around your cashflow, growth plans, and how the asset will be used.

Asset & Equipment Finance

Finance for vehicles, machinery, equipment, and business assets, structured around your cashflow, growth plans, and how the asset will be used.

Business Loans & Working Capital

Flexible funding options to support cashflow, stock, payroll, seasonal gaps, and day-to-day business needs without unnecessary complexity.

Business Loans & Working Capital

Flexible funding options to support cashflow, stock, payroll, seasonal gaps, and day-to-day business needs without unnecessary complexity.

Growth & Acquisition Finance

Funding support for business purchases, expansion plans, new locations, capital upgrades, and structured growth opportunities.

Growth & Acquisition Finance

Funding support for business purchases, expansion plans, new locations, capital upgrades, and structured growth opportunities.

Specialist & Complex Lending

Broker support for lending scenarios that do not always fit standard policy, including low-doc, new ABN, credit issues, ATO debt, or limited security.

Specialist & Complex Lending

Broker support for lending scenarios that do not always fit standard policy, including low-doc, new ABN, credit issues, ATO debt, or limited security.

Strategy and Advisory

Practical funding strategy and lender navigation to help you prepare, compare options, and structure the right path forward before applying.

Strategy and Advisory

Practical funding strategy and lender navigation to help you prepare, compare options, and structure the right path forward before applying.

Book a free consultation

Complete the form and we will be in touch to discuss your goals, timing, and the best way to move forward.

Prefer to speak first? Call Us

0401 555 317

Book a free consultation

Complete the form and we will be in touch to discuss your goals, timing, and the best way to move forward.

Prefer to speak first? Call Us

0401 555 317

Book a free consultation

Complete the form and we will be in touch to discuss your goals, timing, and the best way to move forward.

Prefer to speak first? Call Us

0401 555 317

Book a free consultation

Complete the form and we will be in touch to discuss your goals, timing, and the best way to move forward.

Prefer to speak first? Call Us

0401 555 317

Get your questions answered

Get your questions answered

Straight answers on lender options, turnaround times, documents, and more.

Straight answers on lender options, turnaround times, documents, and more.

How does GEA Capital work?

Does GEA Capital work with customers Australia-wide?

What can I finance through asset and equipment finance?

Can you help if my situation is more complex?

How quickly can funding happen?

What do I need to apply?