Key Takeaways
- Overdrive Funding arranges earthmoving equipment finance for all asset types — new, used, demo and auction.
- 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 adverse credit.
- Our service is free — we're paid a "referral fee" by the lender after settlement.
Mini excavators are the most widely used earthmoving machine in Australia — from plumbing and landscaping to civil works and construction. Overdrive Funding arranges earthmoving equipment finance for mini excavators and compact excavators of all sizes.
Mini Excavator Finance: What We Finance
Run the numbers on your repayments
Use our finance calculator to estimate weekly or monthly repayments.
- Mini excavators 1 to 5 tonne (Kubota, Yanmar, Komatsu, Caterpillar, Bobcat)
- Compact excavators 5 to 10 tonne
- Zero tail swing and reduced tail swing mini excavators
- Mini excavator attachments — buckets, augers, tilting hitches
- Rubber track and steel track mini excavators
- Used and second-hand mini excavators from dealers
Earthmoving Equipment Finance Structures
- Chattel mortgage — own the asset from day one, interest and depreciation tax-deductible for GST-registered businesses
- Finance lease — keep equipment off your balance sheet; lender retains ownership until residual is paid
- Commercial hire purchase — fixed repayments with ownership transferring at end of term
- Balloon/residual — reduce monthly repayments with a lump sum at end of term
- Operating lease — ideal for equipment with short replacement cycles
Finance Rates
Earthmoving equipment finance rates in Australia start from around 6.29% per annum for established operators with clean credit financing new equipment. Used machines, new ABNs and adverse credit attract higher rates. Overdrive Funding compares 80+ lenders including specialist earthmoving finance lenders to find the sharpest available rate for your operation.
How to Apply
Fill in the form above or call Simon to get started. We compare 80+ lenders for your earthmoving equipment finance in one application — no multiple credit enquiries, no cost to you. Most applications receive a decision within 24 to 48 hours.
