What equipment can I finance for my earthmoving business?

Earthmoving businesses can finance excavators, bulldozers, skid steers, tipper trucks, compaction equipment, water carts and any other equipment used in earthmoving operations. We finance new, used and demo machines.

Can I get low doc finance for earthmoving equipment?

Yes. Low doc earthmoving equipment finance is available up to $500,000 without tax returns or BAS — ABN, licence and bank statements only.

Can I finance an excavator purchased at auction?

Yes. We finance excavators and other earthmoving equipment from auction, dealers and private sellers.

What cash flow options are available for earthmoving businesses?

Business overdrafts (lines of credit) are the most common cash flow tool for earthmoving businesses. Insurance premium funding and equipment refinancing can also free up working capital.

How quickly can earthmoving equipment finance be approved?

Most earthmoving 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 Earthmoving Businesses Australia | Excavators, Dozers

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

Compare 80+ lenders — free, no credit check

Get a rate comparison for your specific asset and profile with no obligation.

Get a Free Quote →

Key Takeaways

Overdrive Funding is the dedicated finance broker for Australian earthmoving businesses — equipment, vehicles, cash flow and more.
We compare 80+ lenders in one free application to find the best deal for your earthmoving businesse 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.

Earthmoving businesses have some of the most capital-intensive finance needs in Australia. A single mid-size excavator can cost $350,000 to $600,000 — and most earthmoving businesses operate multiple machines across different job sites simultaneously. Finance is not optional for earthmoving businesses; it is the foundation that enables growth.

Finance Solutions for Earthmoving Businesses

Excavator finance — all sizes and brands
Bulldozer and dozer finance
Skid steer and compact track loader finance
Tipper truck finance for earthmovers
Compaction roller and vibrating plate finance
Business cash flow and overdraft for earthmoving businesses

How We Help Earthmoving Businesses

At Overdrive Funding, earthmoving equipment finance is one of our core specialties. We work with earthmoving businesses from sole operators with a single excavator to businesses managing fleets of 10+ machines across civil, residential and mining projects. We compare 80+ lenders to find the most competitive rates and the most flexible repayment structures.

Cash Flow Solutions for Earthmoving Businesses

Beyond equipment finance, earthmoving businesses benefit from business overdrafts to manage cash flow gaps between project completion and payment. Insurance premium funding is also popular — earthmoving businesses carry significant public liability, plant and equipment insurance that benefits from monthly premium spreading.

Why Earthmoving Businesses Choose Overdrive Funding

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

Finance for Earthmoving Businesses | Overdrive Funding