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Truck Finance2026-09-142 min read

Scania Finance Australia — Competitive Rates on Every Model

Finance a Scania R, S, G or P Series truck or full fleet in Australia. Funding from $20k to $10M+, 80+ lenders and fast approvals.

SK

Simon Kendrick

Managing Director & Head Finance Broker, Overdrive Commercial Funding

Key Takeaways

  • Finance for all Scania models — R, S, G and P Series.
  • Funding from $20k to $10M+ for single units or fleet purchases.
  • Low doc available up to $500k.
  • Rates from 6.29% p.a. — 80+ lenders compared.
  • Decisions within 24–48 hours.

Scania trucks are a popular choice for Australian long-haul and regional operators, valued for their reliability, fuel efficiency and strong residual values. Overdrive Funding provides tailored finance across all Scania models with funding from $20k to $10M+ and 80+ lenders compared on every deal.

Scania Models We Finance

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We finance all current and recent Scania models in Australia including the R Series, S Series, G Series and P Series. New trucks from authorised Scania dealers, used units from private sellers and ex-fleet purchases at auction are all eligible.

Fleet and Multiple Scania Purchases

Transport businesses expanding with multiple Scania trucks can access funding from $20k to $10M+ in a single transaction. We manage multi-unit deals through a consolidated process — minimising paperwork and maximising approval speed. Fleet operators often achieve sharper rates on larger transactions and we negotiate these on your behalf.

Finance Options

  • Chattel mortgage — own the asset from settlement, full GST claim upfront.
  • Finance lease — manage cash flow with lower repayments and a residual.
  • Commercial hire purchase — fixed repayments and structured ownership.
  • Sale and leaseback — unlock equity from existing Scania assets.

Low Doc Scania Finance

Low doc Scania finance is available up to $500k. No tax returns or financial statements required — just an active ABN, recent bank statements and the truck details. For large fleet purchases above $500k we structure the facility to minimise documentation requirements across the deal.

Get a Scania Finance Quote

  • Call 1300 001 420 — 7 days a week including after hours.
  • No credit score impact to enquire.
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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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