Mining Finance Solutions for Australian Mining Companies
Mining finance from Dark Horse Financial helps Australian mining companies, contractors and junior producers fund equipment, project mobilisation and working capital through a large panel of bank and non-bank lenders. Where mainstream banks lend against historical financials alone, our lenders can assess forecast production, owned plant and contract security instead. If your business has been declined elsewhere due to a thin trading history, we may still be able to help.
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How to Apply for Mining Finance
Three straightforward steps from enquiry to funding for your mining operation.
Contact Our Team
Submit a quick enquiry or call us directly. We'll ask about your operation, equipment and funding needs to identify lenders suited to your situation.
Contact Us →Submit Your Application
Provide your business details, equipment or asset information and supporting documents. We manage the application from start to finish, working directly with lenders on your behalf.
Start Application →Get Funded
Once approved, documentation is finalised and funds are released, whether that's for equipment, mobilisation costs or working capital to keep your operation running.
Get Funded →Rated by Our Clients on Google
Understanding Mining Finance
Mining finance is the umbrella term for the funding that keeps Australian mining companies moving, from junior explorers pushing into production to established producers scaling up. It looks different to standard business lending because mining operations carry heavy upfront costs, cash flow that follows production cycles rather than a steady calendar, and high-value plant most businesses simply don't own. Dark Horse Financial works through a panel of over 100 bank and non-bank lenders to match mining companies, contractors and producers with funding built around what their operation is actually doing, not just what a trading history spreadsheet says. In practice that might be equipment finance secured against plant you already own, project finance built around a mine's forecast production, or working capital to bridge the gap between contract payments. So where a major bank looks at a limited trading history and says no, a specialist lender weighing forecast profit, owned assets and contract security might see a straightforward deal.
Equipment & Asset Finance
Finance secured against mining plant and equipment, including dump trucks, excavators and other machinery, whether you're purchasing new gear or releasing capital from equipment you already own outright.
Project & Production Finance
Funding built around a mine's production forecast and contract pipeline, not just historical financials, for operators moving from development into production.
Working Capital
Flexible funding to cover day-to-day costs, payroll and contractor payments between production cycles or contract milestones, keeping operations running while cash flow catches up.
What Mining Finance Can Cover
Mining finance can be structured around almost any cost your operation is carrying. Here's where it's most commonly used.
Payroll and workforce costs
Mobilisation costs for a new site
Fuel costs
Consumables and site supplies
Contractor and subcontractor costs
Purchasing or upgrading equipment
General working capital
Refinancing existing equipment or debt
Types of Mining Finance
Two core pathways cover most mining finance needs, from owned equipment through to funding a mine's production.
Who Is Mining Finance For?
Mining finance from Dark Horse Financial suits:
- Junior mining companies moving from exploration into development
- Contractors mobilising equipment and crew for a new site
- Pre-production operators funding development ahead of first revenue
- Established producers managing a temporary cash-flow gap
- Businesses a bank has declined due to a thin trading history
Case Study: $7.8 Million Facility Secured Against Five Cat 777 Dump Trucks
Challenge: Major banks declined the business despite the mine forecasting approximately $220 million in profit, because of a thin trading history. Banks lend against historical financials, not forecasts.
Solution: Dark Horse Financial arranged a sale-and-leaseback facility secured against five Caterpillar 777 dump trucks the company already owned outright, at 80% loan-to-value ratio (LVR).
Outcome: The $7.8 million facility settled and the business kept operating the trucks throughout, keeping the mine running while the released capital was put to work.
Why Choose Dark Horse Financial for Mining Finance?
Forecast-Based Lending
Lenders on our panel can assess mining businesses on forecast production and contract pipeline, not on historical financials alone.
Non-Bank Speed
Non-bank lenders on our panel typically move faster than mainstream banks, without the same layers of committee-based approval.
Equipment & Asset Expertise
Deep experience structuring finance against mining plant and equipment, including sale-and-leaseback facilities like the Cat 777 case study.
Mining-Sector Experience
We understand the cash-flow cycles, mobilisation costs and contract structures that are specific to mining operations.
100+ Lender Panel
Access to more than 100 bank and non-bank lenders through a single enquiry, instead of applying lender by lender.
Credit-Licensed Brokerage
Dark Horse Financial operates under Australian Credit Licence No. 509484, giving mining businesses a regulated, credit-licensed broker to work with.
Frequently Asked Questions
Common questions about mining finance, answered directly.
* Disclaimer: Loans and the benefits associated with them are only available to those who have been approved. The information provided on this page is general and does not consider your individual circumstances. It is not meant to serve as a substitute for professional advice, and you should not rely on it for any decisions. Always consult with a professional regarding finance, tax, and accounting matters before making any choices or taking action.