What equipment can I finance as a civil contractor?

Civil contractors can finance excavators, graders, tipper trucks, rollers, water trucks, paving equipment and virtually any other equipment used in civil construction. Business cash flow and project finance facilities are also available.

Can I get low doc equipment finance as a civil contractor?

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

Can I get finance with project contracts but limited financials?

Yes. Some specialist lenders consider civil contractor applications based on project contracts and purchase orders as evidence of income — speak to us about your specific situation.

Do you finance used civil equipment from auction?

Yes. We finance used excavators, graders and other civil equipment purchased from auction, private sellers and fleet disposals.

How quickly can civil contractor equipment finance be approved?

Most civil equipment finance applications receive a credit decision within 24 to 48 hours.

What machinery finance rates are available in Australia?

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

Can I finance used machinery?

Yes. Used machinery from dealers, private sellers, fleet disposals and auction is financeable. Lenders assess the age, hours, condition and resale market for the specific machine. Well-maintained machines from reputable sources are supported by most lenders.

Can I get low doc machinery finance?

Yes. Low doc machinery 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 available for low doc machinery applications.

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 Civil Contractors Australia | Excavators, Graders, 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 civil contractors — equipment, vehicles, cash flow and more.
We compare 80+ lenders in one free application to find the best deal for your civil contractor 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.

Civil contractors are among Australia's most equipment-intensive businesses — managing fleets of excavators, graders, tippers and support equipment across multiple sites and projects simultaneously. The right finance structure allows civil businesses to grow their fleet without tying up the working capital needed to run active projects.

Finance Solutions for Civil Contractors

Excavator finance — mini to large class
Motor grader finance
Tipper truck and articulated dump truck finance
Compaction equipment and roller finance
Water truck and support equipment finance
Business cash flow and overdraft for civil projects

How We Help Civil Contractors

At Overdrive Funding, we work with civil contractors of all sizes — from sole operator earthmoving businesses to mid-size civil contractors managing multi-million dollar project portfolios. We compare 80+ lenders to find the best equipment finance and cash flow solutions for every project phase.

Cash Flow Solutions for Civil Contractors

Project cash flow is a critical challenge for civil contractors. Progress payment delays, retention amounts and unforeseen site costs create significant cash flow gaps. Business overdrafts (lines of credit) and equipment finance structured to match project timelines are essential tools for civil businesses.

Why Civil Contractors Choose Overdrive Funding

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

Finance for Civil Contractors | Equipment & Business Finance | Overdrive Funding