Overdrive Funding helps Australian landscaping businesses access competitive machinery and vehicle finance. From a ute and trailer to a bobcat, mini excavator and full plant setup, we compare the market, negotiate the deal and manage everything from start to finish.
Landscaping businesses tend to grow in steps: a ute and trailer, then a bobcat so you stop hiring one, then a mini excavator so you stop subbing out the dig. Each step lifts your margin — the machine you own instead of hire is profit you keep. Getting the finance right at each step is what lets you take the next one.
What landscaping businesses finance
- Bobcats, skid steers, posi-tracks and mini loaders
- Mini excavators, trenchers and augers
- Utes, vans and tipper trucks
- Box trailers, plant trailers and tipping trailers
- Ride-on mowers, turf equipment and mulchers
- Chippers, stump grinders, compactors and rollers
- Attachments — buckets, forks, levellers and grabs
New or used, from dealers, private sellers or auctions anywhere in Australia. Our machinery finance options and tradie finance options pages cover the range.
Buying instead of hiring
The moment hire costs start looking like a repayment is the moment to run the numbers properly. If you're hiring a bobcat for $350 a day and using it three days a week, that's over $50,000 a year going to a hire company. Financed, a good used bobcat might cost a fraction of that per month — and you own it at the end.
The honest counterweight is utilisation. Hire is genuinely cheaper if you only need the machine occasionally, and owning means you wear maintenance, rego, insurance and the risk of it sitting idle over a quiet winter. Do the sums on your real usage over the last twelve months, not your best month. Where the machine earns its keep, ownership almost always wins.
Rates, deposits and low doc approvals
Low doc (no financials) machinery finance is available up to $500k for the right profiles. Business vehicle finance is available low doc up to $300k. Deposits generally range from 10–30%, with $0 deposit available on stronger applications.
Established ABN (2+ years), new machine, full doc
Established ABN, used machine, low doc
Newer ABN (under 12 months)
Prior credit issues, specialist lender
| Borrower profile | Typical rate | Typical deposit |
|---|---|---|
| Established ABN (2+ years), new machine, full doc | From 6.1% | $0 – 10% |
| Established ABN, used machine, 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.
Seasonality and cash flow
Landscaping is seasonal. Spring and summer are flat out; winter can be lean, and wet weeks stop work entirely. Structure repayments so the quiet months are survivable — a balloon of 20–40% lowers the monthly commitment across the whole term. For the lean stretch, a cash flow loan or invoice finance against unpaid jobs bridges the gap, and insurance premium funding spreads annual premiums monthly.
Why landscapers use a broker
Landscaping businesses are often smaller, newer and asset-light, which is exactly the profile banks are least comfortable with. Dealer finance is convenient but rarely competitive, and it only offers you what that dealer's financier will do.
We compare 80+ banks and specialist lenders, including those that will fund a used bobcat for a two-year-old ABN at a workable rate. 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 landscaping business? You're in the right place. Speak directly with Simon and our team, or get a free quote online.