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Machinery FinanceJune 2025

Grader Finance Guide: Motor Grader Loans in Australia

Motor grader finance is available for new and used machines across all major brands. Here's how to get approved quickly for your next grader.

Motor graders are essential equipment for road construction, maintenance, civil works and mining access road preparation. Specialist lenders have strong appetite for grader finance — both new dealer purchases and quality used machines from the secondary market.

Grader Brands We Finance

  • Caterpillar motor graders
  • Komatsu motor graders
  • John Deere motor graders
  • Case motor graders
  • XCMG motor graders
  • SANY motor graders
  • Volvo motor graders

Low Doc Grader Finance

Low doc grader finance is the standard pathway for civil contractors, road contractors and earthmoving businesses. ABN history, GST registration, three to six months of bank statements and personal credit are the core requirements. No tax returns or financial accounts required for applications up to $500,000. Approval typically within 24 to 48 hours.

Used Grader Finance

Quality used graders — particularly major brand machines from reputable dealers — are strongly supported by specialist lenders. Graders have long productive lives and well-maintained machines retain security value well beyond standard age thresholds. An independent condition report helps for older machines seeking maximum loan-to-value.

Rates for Grader Finance

Grader finance rates range from 6.1 to 15 percent per annum depending on credit profile, ABN history and machine age. New graders from dealers attract the lowest rates. Specialist lenders who actively finance civil and earthmoving plant provide more competitive rates than generalist commercial lenders.

Overdrive Funding specialises in civil and earthmoving plant finance. Contact us for a free grader finance quote.

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