Overdrive Funding arranges competitive SANY finance for Australian businesses. We compare 80+ banks and specialist lenders, negotiate the deal and manage everything from start to finish — new or used, from dealers, private sellers, clearing sales or auctions anywhere in Australia.
SANY has grown quickly in Australia on sharp pricing and improving build quality, and now backs its machines with a genuine dealer network. It is a legitimate option — but the finance conversation is different to a Cat or Komatsu, and it pays to understand why before you buy.
SANY equipment we finance
- SY excavators — SY16, SY26, SY35, SY50, SY60, SY75, SY135, SY215, SY265, SY365 and SY500
- SW wheel loaders
- Truck-mounted and crawler cranes
- Rollers and compaction equipment
- Telehandlers and attachments
- New, used, dealer, private-sale and auction purchases
We only finance machines located in Australia. See our machinery finance options for the full range.
What SANY resale means for your rate
This is the honest part. SANY's Australian resale market is still developing — the installed base is younger and shallower than the established brands, so lenders have less historical data on what a five-year-old SY215 is actually worth. Some lenders price that uncertainty in; others limit terms or ask for a larger deposit.
What this means practically: the purchase price advantage is real, but it can be partly offset by a higher rate, a bigger deposit or a shorter term — and by softer resale when you sell. That does not make SANY a bad buy. It means you should compare total cost of ownership against an established brand rather than comparing sticker prices, and it makes comparing lenders genuinely worthwhile, because appetite varies more here than on any mainstream brand.
Who finances SANY equipment
SANY machines are financed by civil contractors, landscaping and site prep businesses, quarrying operations, and businesses where purchase price is the binding constraint and the machine will be worked and held rather than traded.
SANY finance rates
Established ABN (2+ years), new machine, full doc
Established ABN, used machine, low doc (no financials)
Newer ABN (under 12 months)
Prior credit issues or specialist lending
| Borrower profile | Indicative rate | Typical deposit |
|---|---|---|
| Established ABN (2+ years), new machine, full doc | From 6.1% | $0 – 10% |
| Established ABN, used machine, low doc (no financials) | 7% – 10% | 10% – 20% |
| Newer ABN (under 12 months) | 9% – 12% | 10% – 30% |
| Prior credit issues or specialist lending | 12% – 15% | 20% – 30% |
Rates are indicative only and subject to lender assessment, asset age, hours, term and your individual circumstances.
Low doc SANY finance
Low doc (no financials) finance is available on SANY equipment up to $500k for the right profiles, assessed on your ABN, GST registration, credit profile and the machine rather than tax returns or financial statements. It typically sits in the 7% to 10% range for an established business buying used.
New or used SANY?
Used SANY stock is limited given the brand's relative youth in Australia, and values are less established. If you are buying used, a lender may want an independent valuation. Buying new with a dealer warranty is generally the smoother path on this brand.
Get a quote
Looking for the best rate on SANY finance? You're in the right place. Speak directly with Simon and our team for a free, no-obligation quote, or get a free quote online. 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.