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Low doc truck finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
Trucks We Finance
Overdrive Funding arranges truck finance for businesses across Australia. We work with 80+ lenders to finance everything from light commercial trucks to heavy B-doubles, and our rates range from 6.1% to 15.99% per annum depending on your credit profile and the truck type.
Whether you need a single tip truck or a fleet of prime movers, we structure finance that fits your cash flow — with low doc options available for eligible ABN holders up to $500,000.
Prime Movers and Semi-Trailers
We finance prime movers, semi-trailers and road trains used in long-haul freight, logistics and bulk haulage. This includes Kenworth, Freightliner, Volvo, Mercedes-Benz, Scania, MAN and DAF prime movers. Finance is available for new and used prime movers purchased from dealers or private sellers.
- Kenworth T610, T909 and T680
- Freightliner Cascadia and Argosy
- Volvo FH and FM Series
- Scania R-Series and S-Series
- Mercedes-Benz Actros
- MAN TGX and TGS
- DAF XG and XF Series
Tipper Trucks
Tipper trucks are one of the most commonly financed truck types in Australia. We finance rigid tippers, semi-tipper combinations and dog tipper trains across all payload classes — from 8-tonne rigids to 30-tonne semi combinations.
- Single rear axle rigid tippers
- Tandem and tri-axle rigid tippers
- Semi-tipper combinations
- Dog tipper train combinations
- Side tipper trailers
- Alloy and steel tipper bodies
Refrigerated Trucks
Refrigerated trucks for food distribution, pharmaceutical logistics and cold chain supply are financeable through our specialist truck lenders. We finance rigid refrigerated trucks and refrigerated semi-trailer combinations including all major refrigeration unit brands.
- Light rigid refrigerated trucks
- Medium rigid refrigerated trucks
- Heavy rigid refrigerated trucks
- Refrigerated semi-trailer combinations
- Thermo King and Carrier Transicold units
- Multi-temperature and controlled-atmosphere trailers
Flatbed, Curtainsider and Dropdeck Trucks
Flatbed, curtainsider and dropdeck semi-trailers are standard freight assets financed across our lender panel. Finance is available for general freight semi combinations, B-doubles and B-triples including new and used trailers from all major Australian trailer manufacturers.
- Curtainsider semi-trailers
- Flatdeck and flatbed trailers
- Dropdeck semi-trailers
- B-double combinations
- Tautliner trailers
- Skeletal container trailers
Concrete and Agitator Trucks
Concrete agitator trucks and concrete pump trucks are specialist heavy assets financed through our construction and civil lender channels. Finance is available for new and used agitators across all drum sizes and chassis types.
- Concrete agitator trucks (6–9 cubic metre)
- Volumetric concrete mixers
- Concrete pump trucks
- Concrete conveyor trucks
- Rear-discharge and side-discharge agitators
Crane Trucks and Boom Trucks
Crane trucks, boom trucks and knuckle boom trucks are financeable through our specialist heavy equipment channels. Finance is available for all major crane brands including Palfinger, Hiab, Fassi and Tadano fitted to truck chassis from Isuzu, Hino, Mercedes-Benz and Kenworth.
- Knuckle boom crane trucks
- Straight boom crane trucks
- Hiab trucks
- Palfinger crane trucks
- Aerial work platform trucks
- Service body crane trucks
Waste and Skip Trucks
Skip bin trucks, hook lift trucks and roll-on roll-off trucks used in waste management are financeable through our commercial truck lender panel. Finance is available for new and used units across all major chassis and hook lift configurations.
- Skip bin trucks (hook loader)
- Hook lift and RoRo trucks
- Compactor trucks (rear loader, side loader)
- Dry and wet waste combination trucks
- Liquid tankers for waste transport
Tanker Trucks
Water tankers, fuel tankers, vacuum tankers and chemical tankers are all financeable assets. Finance is available for aluminium, stainless steel and poly tanker configurations across all payload sizes and chassis types.
- Water tankers
- Fuel tankers
- Vacuum tankers
- Chemical and liquid tankers
- Sewage and waste tankers
- LPG and compressed gas tankers
Finance Structures for Trucks
Overdrive Funding structures truck finance using chattel mortgage, finance lease, commercial hire purchase and operating lease depending on your tax position and cash flow requirements. Chattel mortgage is the most common structure for GST-registered businesses — you own the truck from day one and claim interest and depreciation as tax deductions.
Truck finance rates range from 6.1% to 15.99% per annum. Terms from 1 to 7 years are available. Balloon and residual payments are available to reduce monthly repayments on high-value prime movers and semi-trailer combinations.
Most truck finance applications receive a credit decision within 24 to 48 hours. Same-day approvals are available for straightforward low doc applications.