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Low doc machinery finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
Machinery We Finance
Overdrive Funding arranges machinery finance for businesses across Australia. We finance earthmoving machinery, agricultural machinery, forestry machinery, mining machinery, construction machinery, lifting equipment and manufacturing plant — new and used — through a panel of 80+ lenders.
Machinery finance rates range from 6.1% to 15.99% per annum. Low doc options are available up to $500,000 for eligible ABN holders with no tax returns or BAS required.
Excavators
Excavators are one of the most commonly financed pieces of machinery in Australia. We finance mini excavators, mid-size excavators and large excavators across all major brands — new from dealers and used from auctions, hire companies and private sellers.
- Mini excavators (1–6 tonne) — Kubota, Yanmar, Bobcat, IHI
- Mid excavators (7–15 tonne) — Komatsu, Caterpillar, Hitachi, Doosan
- Large excavators (15–50 tonne) — Caterpillar, Komatsu, Liebherr, Volvo
- Long-reach excavators
- Amphibious excavators
- Zero-tail-swing and compact excavators
Bulldozers
Bulldozers used in earthmoving, mining and civil construction are financeable through our specialist heavy equipment channels. Finance is available for all major bulldozer brands including Caterpillar, Komatsu, Liebherr and John Deere.
- Small dozers (Caterpillar D4, D5 / Komatsu D51, D61)
- Medium dozers (Caterpillar D6, D7 / Komatsu D65, D85)
- Large dozers (Caterpillar D8, D9, D10 / Komatsu D155, D275)
- Coal dozers and low ground pressure dozers
Graders
Motor graders used in road construction, mining and civil works are financed through our specialist heavy plant channels. Finance is available for all major grader brands including Caterpillar, Komatsu, John Deere and XCMG.
- Caterpillar 120, 140, 160 Series graders
- Komatsu GD Series graders
- John Deere 670 and 770 Series graders
- XCMG and LGMG motor graders
Loaders — Wheel Loaders and Skid Steers
Wheel loaders and skid steer loaders used in construction, mining, agriculture and materials handling are all financeable. Finance is available for compact loaders through to large mine-spec wheel loaders across all major brands.
- Skid steer loaders — Bobcat, Caterpillar, New Holland, Kubota
- Compact wheel loaders — Volvo L20, Komatsu WA100
- Mid-size wheel loaders — Caterpillar 938, 950 / Komatsu WA250, WA320
- Large wheel loaders — Caterpillar 966, 972 / Komatsu WA380, WA430
- Telehandlers and telescopic loaders
- Track loaders and compact track loaders
Forklifts
Forklifts are financed for warehousing, manufacturing, logistics, cold storage and construction applications. We finance counterbalance forklifts, reach trucks, rough terrain forklifts and pallet jacks across all major brands and load ratings.
- Electric counterbalance forklifts (1–5 tonne) — Toyota, Crown, Linde, Hyster
- LPG and diesel counterbalance forklifts
- Reach trucks and order pickers
- Rough terrain forklifts
- Telescopic handlers (telehandlers)
- High-reach and very narrow aisle (VNA) trucks
Cranes
Cranes used in construction, mining, infrastructure and port operations are financed through our specialist heavy lift channels. Finance is available for mobile cranes, tower cranes, crawler cranes and all-terrain cranes.
- All-terrain mobile cranes — Liebherr, Grove, Tadano
- Pick and carry cranes — Franna, Maeda
- Crawler cranes — Liebherr, Manitowoc, Demag
- Tower cranes — Liebherr, Potain, Terex
- Knuckle boom cranes — Palfinger, Hiab, Fassi
- Industrial overhead cranes and hoists
Compactors and Rollers
Compactors and road rollers used in civil construction and road building are financeable through our heavy plant channels. Finance is available for single drum rollers, tandem rollers, pneumatic rollers and padfoot compactors.
- Single drum vibratory rollers — Caterpillar, Hamm, Dynapac
- Tandem vibratory rollers
- Pneumatic tyre rollers
- Padfoot and sheepsfoot compactors
- Plate compactors and wacker plates
- Landfill and soil compactors
Agricultural Machinery
Tractors, harvesters, balers, sprayers and other agricultural machinery are all financeable through our rural and agribusiness lender channels. Finance is available for new and used farm machinery across all major brands.
- Tractors — John Deere, New Holland, Case IH, Kubota, Massey Ferguson
- Combine harvesters
- Round and square balers
- Boom sprayers and self-propelled sprayers
- Headers and front-mounted headers
- Seeders, cultivators and tillage equipment
- Irrigation equipment and centre pivots
Manufacturing and Industrial Machinery
Manufacturing plant and industrial machinery — including CNC machines, lathes, presses, injection moulding machines and industrial printers — are financed through our commercial and industrial equipment channels.
- CNC machining centres and turning centres
- Metal fabrication equipment — plasma cutters, press brakes, laser cutters
- Injection moulding machines
- Presses and stamping machines
- Packaging machinery
- Textile and woodworking machinery
- Industrial compressors and generators
Finance Structures for Machinery
Chattel mortgage is the most common structure for machinery finance in Australia — you own the asset from day one and claim the interest and depreciation as tax deductions. Finance lease, commercial hire purchase and operating lease are also available depending on your tax and balance sheet requirements.
Machinery finance rates range from 6.1% to 15.99% per annum. Terms from 1 to 7 years are available. Balloon and residual payments can reduce monthly repayments on high-value machinery.
Most machinery finance applications receive a credit decision within 24 to 48 hours. Same-day approvals are available for straightforward low doc applications.