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Key Takeaways
- Overdrive Funding finances all types of earthmoving equipment — new, used, demo and auction purchases.
- We compare 80+ lenders in one free application to find the most competitive rate.
- Low doc finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
- Finance available for established operators, new ABNs and businesses with adverse credit.
- Equipment finance deals: We guarantee the best deal available in the market and our services are free — we're paid a "referral fee" by the lender after settlement, no cost to you.
Earthmoving equipment represents some of the largest individual asset investments in Australian business. At Overdrive Funding, we compare 80+ lenders to find the most competitive earthmoving equipment finance for every type of machine — from mini excavators to large dozers and articulated dump trucks.
Earthmoving Equipment: What We Finance
- Excavators — mini (1-8T), mid-size (8-25T), large (25T+) — Caterpillar, Komatsu, Hitachi, Volvo, Kobelco, Hyundai
- Bulldozers — D4 to D11 class — Caterpillar, Komatsu, John Deere
- Motor graders — Caterpillar, Komatsu, John Deere, Case
- Wheel loaders — Caterpillar, Komatsu, Volvo, Liebherr
- Articulated dump trucks — Volvo, Bell, Caterpillar
- Rigid dump trucks — Caterpillar, Komatsu (larger mine and quarry applications)
- Skid steer loaders and compact track loaders — all brands
- Compaction rollers and vibrating drum rollers
- Scrapers and motor scrapers
- Pipelayers and trench diggers
Finance Structures Available
- Chattel mortgage — most common for earthmoving equipment
- Finance lease — for businesses preferring balance sheet management
- Low doc finance up to $500,000 — ABN, licence and bank statements only
- Used equipment finance — dealers, private sellers, auction and fleet disposal
- Fleet finance programs — for earthmoving businesses financing multiple machines
Earthmoving Equipment Finance Rates
Earthmoving equipment finance rates in Australia currently start from around 6.1% per annum for established operators financing new Caterpillar or Komatsu machines with clean credit. Used earthmoving equipment and off-brand machines attract higher rates, with lenders assessing hours, condition, age and resale market for each specific machine.
New, Used and Auction Equipment
We finance earthmoving equipment purchased from dealers, private sellers, fleet disposals and auction. If you are purchasing at auction, getting finance pre-approved before the auction is essential — settlements are typically required within 48 to 72 hours. Contact us before auction day and we will have your finance ready to activate when you win.
How to Apply
Fill in the form above or call Simon to get started. We compare 80+ lenders in one application — no multiple enquiries, no impact on your credit score, and no cost to you. Most applications receive a credit decision within 24 to 48 hours.