Overdrive Funding arranges competitive Kubota 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.
Kubota dominates the Australian mini excavator market, and the KX and U series are the default machines for landscaping, plumbing, utilities and small civil work. That volume makes them one of the easiest machines in the country to finance.
Kubota equipment we finance
- U series zero tail swing excavators — U17, U27, U35, U48 and U55
- KX series excavators — KX018, KX027, KX033, KX040, KX057 and KX080
- SVL compact track loaders — SVL65, SVL75 and SVL97
- SSV skid steer loaders — SSV65 and SSV75
- Compact wheel loaders and site dumpers
- Attachments — buckets, augers, hammers and grabs
We only finance machines located in Australia. See our machinery finance options for the full range.
What Kubota resale means for your rate
Kubota mini excavator residuals are exceptional. The used market is deep, buyers are constant, and a KX or U series machine can be sold quickly almost anywhere in Australia. That liquidity is exactly what allows lenders to be comfortable at sharp rates.
This is why Kubota minis are often a good first machine for a newer business. When the lender's security is highly liquid, an application that might struggle on a rarer machine can get across the line — the lender knows it could recover the asset easily if needed.
Who finances Kubota equipment
Kubotas are financed by landscapers, plumbers, civil contractors, hire fleets, tradies, councils, fencing contractors and small earthmoving businesses. The KX080 is a common step-up for landscapers taking on larger work.
Kubota 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 Kubota finance
Low doc (no financials) finance is available on Kubota 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 Kubota?
Used Kubota minis are plentiful and hold value strongly. Ex-hire units are common and typically well serviced. Because these machines work in tight, abrasive conditions, check track and undercarriage wear — it is the most common significant cost on a used mini.
Get a quote
Looking for the best rate on Kubota 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.