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Fast, Flexible Funding for a Civil Contractor

Written by Marketing at Iron Capital | Nov 10, 2025 10:14:07 AM

The Challenge

A small civil contracting business on the Gold Coast, specialising in drainage and basement excavation for high-rise developments, needed to secure a new dozer quickly to keep a project on track.

The contractor had already been pre-approved elsewhere but required a faster, more flexible solution that supported their cash flow and allowed them to take control of the asset without the restrictions of traditional finance.

The Solution

Iron Capital structured a two-year Rent to Purchase (RPO) agreement for a 2020 CAT D5K2 XL Dozer valued at approximately $245,000, giving the contractor immediate access to the equipment needed to stay on schedule.
The RPO structure offered the flexibility of rental payments with the long-term benefit of ownership, enabling the client to preserve working capital, build equity, and maintain control of the asset.
Within a short timeframe, Iron Capital delivered a competitive, tailored solution with simple documentation and fast approval, ensuring the contractor could get to work without delays or unnecessary red tape.

The Result 

The client was able to:
  • Secure the dozer quickly to commence work on schedule
  • Optimise cash flow through flexible repayments
  • Build equity and position the business for future growth opportunities

The efficient process reinforced Iron Capital’s reputation for speed, transparency, and client-first service, making it easier for small operators to access the gear they need to get the job done.

Outcome

This case highlights Iron Capital’s ability to provide fast, flexible funding solutions that help civil and construction clients take control of their equipment strategy.

By combining responsive service with practical payment structures, Iron Capital enables businesses of all sizes to secure the machinery they need, when they need it, without compromising on cash flow or ownership goals.