Overdrive Funding arranges competitive JCB finance for Australian businesses. We compare 80+ banks and specialist lenders, negotiate the deal and manage everything from start to finish — new or used, from dealers, private sellers, clearing sales or auctions anywhere in Australia.
JCB is the dominant name in two categories that matter enormously in Australia — the backhoe loader and the telehandler. The Loadall is close to a generic term in construction and agriculture, and that market position underpins strong, predictable residuals.
JCB equipment we finance
- Backhoe loaders — 3CX, 4CX and 5CX
- Loadall telehandlers — 525-60, 531-70, 535-95, 540-140, 540-170 and 560-80
- JS and JZ excavators — JS130, JS145, JS200, JS220 and JS370
- Compact excavators — 8008, 16C, 19C, 35Z, 48Z, 55Z, 86C and 90Z
- Teleskid, skid steers and compact track loaders
- Site dumpers, rollers and generators
We only finance machines located in Australia. See our machinery finance options for the full range.
What JCB resale means for your rate
JCB telehandler residuals are excellent. The Loadall has a broad buyer pool spanning construction, agriculture, hire fleets and warehousing, and an asset wanted by several industries at once is exactly what a lender likes to see behind a loan.
The 3CX backhoe has similar depth. Between them, telehandlers and backhoes give JCB a finance profile stronger than its overall Australian market share might suggest — lenders know these two categories well.
Who finances JCB equipment
JCBs are financed by construction and civil contractors, hire fleets, farmers and agricultural contractors, warehousing and logistics operations, landscapers and councils. Hire fleets in particular buy Loadalls in volume.
JCB finance rates
Established ABN (2+ years), new machine, full doc
Established ABN, used machine, low doc (no financials)
Newer ABN (under 12 months)
Prior credit issues or specialist lending
| Borrower profile | Indicative rate | Typical deposit |
|---|---|---|
| Established ABN (2+ years), new machine, full doc | From 6.1% | $0 – 10% |
| Established ABN, used machine, low doc (no financials) | 7% – 10% | 10% – 20% |
| Newer ABN (under 12 months) | 9% – 12% | 10% – 30% |
| Prior credit issues or specialist lending | 12% – 15% | 20% – 30% |
Rates are indicative only and subject to lender assessment, asset age, hours, term and your individual circumstances.
Low doc JCB finance
Low doc (no financials) finance is available on JCB equipment up to $500k for the right profiles, assessed on your ABN, GST registration, credit profile and the machine rather than tax returns or financial statements. It typically sits in the 7% to 10% range for an established business buying used.
New or used JCB?
Ex-hire JCBs come to market regularly with high hours but scheduled servicing. Hire fleet machines are worked hard but maintained properly, and lenders generally understand that profile. Telehandler boom and hydraulic condition is the thing to scrutinise.
Get a quote
Looking for the best rate on JCB finance? You're in the right place. Speak directly with Simon and our team for a free, no-obligation quote, or get a free quote online. Our service is completely free. We're paid by the lender only after a deal settles, so there's no cost to you—even if you choose not to proceed.