What equipment can I finance as a builder?

Builders can finance virtually any piece of equipment they need — excavators, mini excavators, utes, tipper trucks, scaffolding, formwork, generators, concrete equipment and more. If it is used in your building business, we can typically find a lender for it.

Can I get finance for a building business with bad credit?

Yes. Specialist lenders consider builder applications with adverse credit history. The strength of the business, its project pipeline and the asset being financed are all factors.

Can I get low doc equipment finance as a builder?

Yes. Low doc equipment finance is available up to $500,000 for builders with active ABNs — no tax returns or BAS required.

What cash flow options are available for builders?

Business overdrafts (lines of credit) allow builders to draw funds as needed up to an approved limit. Invoice finance and progress payment facilities are also available. We assess the right option for each builder's specific cash flow profile.

How quickly can builder finance be approved?

Equipment finance for builders is typically approved within 24 to 48 hours. Cash flow facilities take longer — typically 3 to 7 business days.

What equipment finance rates are available in Australia?

Equipment finance rates in Australia start from around 6.1% per annum for established businesses with clean credit financing new equipment from major brands. Used equipment, new ABNs and adverse credit attract higher rates. Comparing 80+ lenders through a broker identifies the sharpest available rate.

Can I finance used equipment?

Yes. Used equipment from dealers, private sellers and auction is financeable. Lenders assess the age, condition and resale market for the specific equipment. Well-maintained equipment from reputable sources is supported by most lenders on our panel.

Can I get low doc equipment finance?

Yes. Low doc equipment finance is available up to $500,000 without tax returns or BAS. You need your ABN, driver's licence and recent bank statements. Same-day conditional approvals are common.

Can you arrange insurance for my equipment?

Yes. Overdrive Funding works with trusted insurance partners who can arrange the right cover alongside your finance application. Whether you need comprehensive, CTP, public liability or fleet cover, we can connect you with specialist providers to protect your equipment from day one.

Can you beat my current finance quote?

We often can. Overdrive Funding has access to exclusive lenders offering discounted rates that aren't available directly through banks, dealers or other brokers. If you have an existing quote, send it to us and we'll compare it against our full panel of 80+ lenders — free of charge with no impact on your credit score.

Finance for Builders Australia | Equipment, Vehicles, Cash Flow

Name: Overdrive Commercial Funding
Address: 54 Miller St, North Sydney, NSW, 2060, AU
Telephone: +61417000316
Price range: Free
Rating: 5

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Key Takeaways

Overdrive Funding is the dedicated finance broker for Australian builders — equipment, vehicles, cash flow and more.
We compare 80+ lenders in one free application to find the best deal for your builder business.
Low doc finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
Business overdrafts, insurance premium funding and tax debt facilities available alongside equipment and vehicle finance.
Our service is completely free — we're paid a "referral fee" by the lender after settlement, no cost to you.

Builders have some of the most diverse and fast-moving finance needs in Australia. From excavators and utes to scaffolding systems and cash flow facilities, the right finance broker for a building business needs to understand the full range of assets and financial products the industry requires.

Finance Solutions for Builders

Excavator and earthmoving equipment finance
Ute and work vehicle finance
Tipper truck finance for builders
Scaffolding and formwork finance
Cash flow and business overdraft for builders
Insurance premium funding for building businesses

How We Help Builders

At Overdrive Funding, we work with builders at every stage — from single-person operations and small construction firms to mid-size builders with multiple sites and complex equipment requirements. We compare 80+ lenders to find the best deal on every asset and facility a building business needs.

Cash Flow Solutions for Builders

Cash flow is the most common financial challenge for Australian builders. Progress payment timing, supplier payment terms and unexpected site costs create significant cash flow gaps. Business overdrafts (lines of credit) and equipment finance structured to match construction project cash flows can help builders manage their working capital more effectively.

Why Builders Choose Overdrive Funding

We compare 80+ lenders in one application, charge nothing for our service, and have specialist knowledge of the builder industry. Simon and Emma at Overdrive Funding have helped hundreds of builders get better finance deals — call us today or fill in the form above for a free rate comparison.

Finance for Builders | Construction Equipment & Business Finance | Overdrive Funding