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Manufacturing Finance2026-07-133 min read

Manufacturing Equipment: What We Finance | Overdrive Funding

We compare 80+ lenders to find the best finance for manufacturing equipment — CNC machines, presses, production lines, conveyor systems and more.

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Simon Kendrick

Managing Director & Head Finance Broker, Overdrive Commercial Funding

Key Takeaways

  • Overdrive Funding finances all types of manufacturing equipment — new, used, demo and auction purchases.
  • We compare 80+ lenders in one free application to find the most competitive rate.
  • Low doc finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
  • Finance available for established operators, new ABNs and businesses with adverse credit.
  • Equipment finance deals: We guarantee the best deal available in the market and our services are free — we're paid a "referral fee" by the lender after settlement, no cost to you.

Australia's manufacturing sector relies on equipment finance to invest in the machinery needed to stay competitive. At Overdrive Funding, we compare 80+ lenders to find the most competitive finance for manufacturing equipment of all types — from CNC machining centres to injection moulding lines and food production equipment.

Manufacturing Equipment: What We Finance

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  • CNC milling machines, lathes and machining centres (Mazak, DMG Mori, Haas, Okuma)
  • Laser cutting and plasma cutting systems (Trumpf, Amada, Bystronic, Mitsubishi)
  • Press brakes, punching machines and sheet metal equipment
  • Injection moulding machines (Engel, Arburg, Sumitomo)
  • Industrial 3D printers and additive manufacturing systems
  • Conveyor systems and material handling equipment
  • Industrial robotic systems and automation equipment
  • Food production lines — mixers, ovens, packaging, labelling
  • Industrial compressors and pneumatic systems
  • Industrial ovens, furnaces and heat treatment equipment
  • Packaging and wrapping machinery
  • Quality control and inspection equipment

Finance Structures Available

  • Chattel mortgage — most common for manufacturing equipment
  • Finance lease — for equipment with planned replacement cycles
  • Operating lease — for technology-intensive equipment with high obsolescence risk
  • Low doc finance up to $500,000 — ABN and driver's licence (low doc) or ABN, licence and 6 months bank statements (lite doc) only
  • Technology finance — for software, automation systems and digital manufacturing equipment

Manufacturing Equipment Finance Rates

Manufacturing equipment finance rates in Australia currently start from around 6.29% per annum for established businesses with clean credit financing well-known brands with strong Australian dealer support. Custom-built or highly specialised manufacturing equipment may require specialist lenders with manufacturing sector experience and may attract higher rates based on residual value assessment.

New, Used and Auction Equipment

We finance manufacturing equipment purchased from dealers, private sellers, fleet disposals and auction. If you are purchasing at auction, getting finance pre-approved before the auction is essential — settlements are typically required within 48 to 72 hours. Contact us before auction day and we will have your finance ready to activate when you win.

How to Apply

Fill in the form above or call Simon to get started. We compare 80+ lenders in one application — no multiple enquiries, no impact on your credit score, and no cost to you. Most applications receive a credit decision within 24 to 48 hours.

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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.

Get Started

Ready to Secure Your Finance?

Compare 80+ lenders for the lowest rate available in a single application and get a fast decision with no impact on your credit score.

  • Bank rates without the queue
  • One application, multiple options
  • Approved in 24–48 hours, valid for 90 days
  • $0 down, no additional security and no financial options
  • Loans for all credit profiles and ABN lengths
  • 100% free service — no hidden fees or costs, ever
Call Simon Now 0417 000 316

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Submitting this form does not lock you into finance or have any impact on your credit profile.

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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