Overdrive Funding helps Australian concreting businesses access competitive machinery and vehicle finance. From a first tipper and ute through to agitators and boom pumps, we compare the market, negotiate the deal and manage everything from start to finish.
Concreting is a volume game run on tight schedules. Pours are booked weeks ahead, crews are committed, and a truck off the road on the morning of a slab is revenue you never get back. The finance behind your plant needs to be quick to arrange, structured for lumpy builder payments, and priced so the asset pays for itself.
What concreting businesses finance
- Concrete agitator trucks and mini mixers
- Line pumps, boom pumps and trailer-mounted pumps
- Tipper trucks and crane trucks
- Utes, vans and crew vehicles
- Bobcats, skid steers and mini excavators for prep work
- Laser screeds, power trowels, saws, vibrators and formwork
- Refinancing existing plant to fund growth
New or used, from dealers, private sellers or auctions anywhere in Australia. See our machinery finance options and concrete truck finance pages for detail.
Financing high-value specialist plant
Boom pumps and agitators sit at the top end of concreting plant, and they behave differently to general machinery in the eyes of a lender. They're specialised, the buyer pool is smaller, and resale takes longer — so some lenders load the rate or want a larger deposit, while specialists who understand the sector price them properly.
This is where the choice of lender makes a real dollar difference. On a $600,000 boom pump, a two-point rate difference is significant money over five years. The specialist lenders who actively fund concreting plant know its true resale and don't price it like an unknown risk — but you need to know who they are before you apply.
Rates, deposits and low doc approvals
Low doc (no financials) machinery finance is available up to $500k for the right profiles. Deposits generally range from 10–30%, with $0 deposit available on stronger applications.
Established ABN (2+ years), new plant, full doc
Established ABN, used plant, low doc
Newer ABN (under 12 months)
Prior credit issues, specialist lender
| Borrower profile | Typical rate | Typical deposit |
|---|---|---|
| Established ABN (2+ years), new plant, full doc | From 6.1% | $0 – 10% |
| Established ABN, used plant, low doc | 7% – 10% | 10% – 20% |
| Newer ABN (under 12 months) | 9% – 12% | 10% – 30% |
| Prior credit issues, specialist lender | 12% – 15% | 20% – 30% |
Rates are indicative only and subject to lender assessment, asset age, term and your individual circumstances.
Getting paid, and staying liquid
Concreters sit downstream of builders, which means you carry the cost of the pour and wait 30 to 60 days to be paid for it. Concrete, pump hire and wages all go out before the invoice comes in. Invoice finance releases cash against those unpaid invoices, a cash flow loan covers a stretch of slow payers, and insurance premium funding turns an annual premium into monthly instalments. If an ATO balance is holding up an approval, tax debt refinancing can clear it.
Why concreters use a broker
Most banks don't have a considered view on concreting plant. They'll fund the ute and hesitate on the pump. Specialist lenders do this every week and price it accordingly — and their appetites shift, so last year's best lender isn't necessarily this month's.
We compare the market, place your deal where it fits, and handle the process while you keep pouring. 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.
Get a quote
Looking for the best rate on machinery and vehicle finance for your concreting business? You're in the right place. Speak directly with Simon and our team, or get a free quote online.