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Truck Finance2026-09-142 min read

Mack Truck Finance Australia — Built Tough, Funded Fast

Finance a Mack Anthem, Granite, Pinnacle or full Mack fleet in Australia. Funding from $20k to $10M+, 80+ lenders and fast turnarounds.

SK

Simon Kendrick

Managing Director & Head Finance Broker, Overdrive Commercial Funding

Key Takeaways

  • Finance for all Mack models — Anthem, Granite, Pinnacle, Super-Liner and more.
  • Funding from $20k to $10M+ for single units or fleet acquisitions.
  • Low doc options up to $500k.
  • Rates from 6.29% p.a. across 80+ lenders.
  • Decisions within 24–48 hours.

Mack trucks have a long history in the Australian heavy transport industry and remain a popular choice for construction, mining and long-haul operators. Overdrive Funding provides competitive finance across all Mack models with funding from $20k to $10M+ for everything from a single prime mover to a full fleet expansion.

Mack Models We Finance

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We finance all Mack models available in Australia including the Mack Anthem, Granite, Pinnacle, Super-Liner and TerraPro. New, used, ex-fleet and auction purchases are all eligible. We also finance the Mack Titan for super-road-train configurations.

Fleet Finance for Multiple Macks

For operators purchasing two or more Mack trucks simultaneously, we structure fleet finance that can cover funding from $20k to $10M+ in one transaction. This simplifies the process, speeds up settlement and often delivers better rates than financing each truck individually. We handle the lender negotiations across our full panel.

Finance Structures

  • Chattel mortgage — ownership from day one, full GST recovery, depreciation benefits.
  • Finance lease — lower monthly outgoings with a residual at end of term.
  • Commercial hire purchase — structured repayments toward full ownership.
  • Sale and leaseback — free up capital tied in existing Mack assets.

Low Doc Mack Finance

Mack truck purchases up to $500k are available on a low doc basis — ABN, bank statements and truck details are typically all that's required. We specialise in finding lenders that suit your profile and transaction, including new ABN operators and those with credit history that major banks decline.

Get a Mack Finance Quote

  • Call Simon Kendrick on 1300 001 420 — 7 days a week.
  • Online enquiries receive a same-day or next-business-day response.
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Frequently Asked Questions

Common questions about this topic, answered by Simon Kendrick.

How do unsecured business loans work in Australia?

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Unsecured business loans provide working capital without requiring property or equipment as security. Non-bank lenders assess your business bank statements and revenue to determine how much you can borrow, at what rate and over what term.

What is the difference between a secured and unsecured business loan?

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A secured loan uses collateral such as property, equipment or invoices as security, typically offering lower rates and higher amounts. An unsecured loan requires no collateral but generally carries a higher rate to reflect the increased lender risk.

How are unsecured business loan repayments structured?

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Most non-bank unsecured loans use daily, weekly or monthly repayments automatically debited from your business account. The repayment frequency and structure vary between lenders and products.

What can I use an unsecured business loan for?

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Most unsecured business loans have no restrictions on use for legitimate business purposes including working capital, stock, marketing, wages, equipment, fit-outs, ATO debt or business growth.

What is a business line of credit and how does it work?

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A line of credit provides access to a pre-approved credit limit that you draw on as needed, paying interest only on the amount drawn. It is well-suited to managing cash flow gaps or short-notice business opportunities.

What is the minimum revenue required for an unsecured business loan?

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Revenue requirements vary between lenders. Most non-bank lenders look for consistent monthly revenue above a minimum threshold, assessed across your recent bank statements. We can assess your eligibility without a formal credit enquiry.

What is the maximum loan term for an unsecured business loan?

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Unsecured business loan terms typically range from 3 to 24 months. Some lenders offer longer terms for larger amounts or established businesses. Longer terms reduce repayments but increase the total interest paid.

Can I get an unsecured business loan if my business is seasonal?

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Potentially. Some lenders offer flexible repayment structures suited to seasonal businesses. Providing 12 months of bank statements helps demonstrate your actual annual income including seasonal fluctuations.

What is the fastest way to get an unsecured business loan approved?

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Having 3-6 months of business bank statements, ABN details and your driver licence ready to submit together allows for a faster assessment. Applying through a broker who matches your profile to the right lender can significantly speed up the process.

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Simon Kendrick — Managing Director, Overdrive Commercial Funding

Simon Kendrick

Managing Director & Head Commercial Finance Broker | Overdrive Commercial Funding

Simon Kendrick is the Managing Director and Head Commercial Finance Broker at Overdrive Commercial Funding, an Australian family-owned commercial finance brokerage backed by over 30 years of industry experience.

Specialising in truck finance, vehicle finance, machinery and equipment finance, business loans and commercial lending, Simon helps Australian businesses secure competitive interest rates, flexible repayment terms and tailored funding solutions through a panel of 80+ banks and non-bank lenders.

Unlike traditional brokerages, Simon personally works with every client from initial consultation through to settlement and beyond. No call centres, no handovers and no constantly changing brokers. Clients deal directly with Simon, building a trusted, long-term relationship with the same finance broker for the next 5, 10 or more years.

Whether you're a sole trader, new ABN holder, growing business or established company, Simon provides consistent, personalised service and ongoing finance support as your business evolves.

FBAA MemberAccredited with Major Banks and 80+ Lenders30+ Years' Industry Experience5.0-Star Rated on Google

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