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Key Takeaways
- Overdrive Funding arranges business vehicle 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 $300,000 — no tax returns or BAS required for eligible ABN holders.
- Finance available for new, used and demo vehicles — from dealers, private sellers and auction.
- Our service is free — we're paid a "referral fee" by the lender after settlement.
Contractors across all trades — building, civil, electrical, plumbing, HVAC, painting and more — depend on purpose-equipped vehicles to deliver crews, tools and materials to site efficiently. Overdrive Funding arranges business vehicle finance for contractors of every trade and every size.
Vehicles We Finance
- Cars and sedans for client visits and admin
- Vans — cargo vans and crew vans for tools and materials
- Utes — single cab, dual cab and extra cab
- Light trucks and cab chassis for specialised fitouts
- Buses and people movers for crew transport
Common Contractor Vehicle Uses
- Dual cab utes for on-site crew and tool transport across all trades
- Cargo vans and panel vans for tools, materials and small equipment
- Tray-body vehicles and cab chassis for materials and equipment
- Crew vans, people movers and minibuses for multi-crew contracting operations
- Light trucks for bulk materials, formwork and larger equipment transport
Finance Structures
- Chattel mortgage — own the vehicle from day one, interest and depreciation tax-deductible for GST-registered businesses
- Finance lease — keep vehicles off your balance sheet; lender retains ownership until residual is paid
- Commercial hire purchase — fixed repayments with ownership transferring at end of term
- Novated lease — available for employees, salary-sacrificed through payroll
- Operating lease — ideal for fleets with regular replacement cycles
Finance Rates
Business vehicle finance rates in Australia range from 6.1% to 15.99% per annum. Established businesses with clean credit financing new vehicles attract the lowest rates. Used vehicles, new ABNs and adverse credit attract higher rates. Overdrive Funding compares 80+ lenders to find the lowest available rate for your vehicle and ABN profile.
How to Apply
Fill in the form above or call Simon to get started. We compare 80+ lenders for your business vehicle finance in one application — no multiple credit enquiries, no cost to you. Most applications receive a decision within 24 to 48 hours.