Overdrive Funding helps Australian landscapers access competitive vehicle finance. We compare 80+ banks and specialist lenders, negotiate the deal and manage everything from start to finish — new or used, from dealers, private sellers or auctions anywhere in Australia.
Landscaping is a hauling trade. Soil, mulch, turf, pavers and green waste all have to move, and the vehicle you choose either makes that efficient or costs you an hour a day in double handling.
What landscapers finance
- Tipper utes and light tipper trucks
- Dual cab utes with trays and heavy-duty tow packages
- Plant trailers, tipping trailers and box trailers
- Vehicles rated to tow a bobcat or mini excavator
- Crew vehicles for employees
- New, used, ex-fleet, dealer, private-sale and auction purchases
We only finance vehicles located in Australia. See our business vehicle finance page for the full range, rates and how approvals work.
Tow rating is the decision that matters
If you own or plan to own a bobcat or mini excavator, your ute's tow rating dictates whether you can take it to site yourself or pay a float every time. Machine plus trailer can easily exceed 3,500kg, which rules out a lot of dual cabs. Work out the towed weight before you choose the vehicle, not after — it is the most common expensive mistake in this trade.
The tipper question
A tipper ute costs more than a tray, and it pays for itself the first time you stop hand-shovelling a load of soil. If you are doing more than a couple of soil or mulch drops a week, run the numbers — the labour saving is usually larger than the finance difference. Machinery like bobcats is financed separately; see our machinery finance page.
Rates and deposits
Established ABN (2+ years), new vehicle, full doc
Established ABN, used vehicle, 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 vehicle, full doc | From 6.1% | $0 – 10% |
| Established ABN, used vehicle, 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% |
Low doc (no financials) business vehicle finance is available up to $300k for the right profiles. Deposits generally range from 10% to 30%, with $0 deposit available on stronger applications. Rates are indicative only and subject to lender assessment.
Get a quote
Looking for the best rate on vehicle finance for your business? 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.