Cab Over Finance
We're trusted cab over finance brokers, helping ABN holders, businesses and owner-operators secure cab over loans with fast approvals up to $500,000. Rather than relying on a single bank or dealership, we compare major banks and non-bank lenders, negotiating low interest rates, fees and repayments. From application to settlement, we manage the entire process for a hassle-free experience.
Free No-Obligation Quote
Compare options with 80+ lenders. No credit impact.
Many deals we settle fall outside standard bank criteria. We find solutions where banks can't.
Bank Rates Without The Queue Or Paperwork
- One application. Multiple options to choose from.
- Free service, no hidden fees, ever
- Solutions for all credit profiles and ABN lengths
- Established companies, start-ups, SMEs to owner-operators
- No deposit, $0 down options and no additional security
- Low doc & no financials require zero paperwork
- Buy new or used from dealerships, private sellers & auctions
- Available 7 days a week, including evenings and weekends
Truck Finance Australia Australia Wide
Low-Rate Cab Over Finance Australia
Cab-over trucks are widely used in urban freight, logistics and distribution roles. Overdrive Funding compares rates from over 80 lenders to find the most competitive cab over truck loans for your profile.
We handle the entire process on your behalf — free of charge. This includes application preparation, lender selection, rate negotiation and settlement management.
Most clients are surprised by how much lower our rates are compared to dealer finance. Send us your existing quote and we will review it free of charge.
Low-doc (no financials) cab over truck loans up to $500,000 and no deposit options are available for eligible applicants.
Get in touch with Simon for a free, no-obligation quote on your cab over truck.
Cab Over Brands We Finance
We arrange cab over truck loans for all major brands.
- Isuzu
- Hino
- Fuso
- UD Trucks
- DAF
- MAN
- Iveco
- Mercedes-Benz
- Kenworth
- Volvo
Range Of Solutions
We provide custom solutions to support your business at every stage of growth:
- No doc cab over finance
- Lite doc cab over finance
- Low doc cab over finance
- No financials cab over finance
- Full doc cab over finance
- No deposit cab over finance
- Bad credit cab over finance
- Used cab over finance
- New cab over finance
- Chattel mortgage
- Cab Over Truck lease finance
- Hire purchase finance
- Rent-to-own finance
- Sale & leaseback finance
Unbeatable Cab Over Truck Loan Rates - Always Compare Before Signing
Want the best deal on cab over finance? We're known for securing the cheapest cab over finance rates, consistently beating quotes from banks, dealerships, and other brokers. Through our free cab over truck loan comparison service, we'll compare any quote against our panel to secure you a lower rate with reduced repayments. Never rely on a verbal interest rate. Many brokers and dealer quote rates over the phone without disclosing all fees and charges, making finance appear cheaper than it really is. That's why it's essential to get your quote in writing to compare actual repayments, as they reveal the true cost of the loan. If you've received a quote, send it through for a free review. We'll break down the interest rate, repayments, fees, loan structure, and total cost, identify any hidden charges, and let you know if a better deal is available. A few minutes spent comparing finance options could save your business thousands over the life of the loan.
Get Pre-Approved Before You Buy
A cab over finance pre-approval gives you a real advantage when buying from a dealership, auction, or private seller. With finance already in place, you'll know exactly what you can afford and have greater negotiating power as a serious buyer. We'll confirm your borrowing capacity, interest rate, loan term, and estimated repayments upfront. With decisions available in as little as 24 hours and approvals valid for up to 90 days, you'll be ready to act when the right cab over finance comes along. Simply send us the invoice and we'll arrange settlement and release the funds.
Trucks We Finance
We finance any new or used truck from dealerships, private sellers and auctions:
- Prime Movers
- Semi Trucks
- Rigid Trucks
- Tipper Trucks
- Tray Trucks
- Flatbed Trucks
- Pantech Trucks
- Box Trucks
- Refrigerated Trucks
- Curtain Side Trucks
- Crane Trucks
- Tow & Tilt Tray Trucks
- Hooklift Trucks
- Skip Bin Trucks
- Vacuum Trucks
- Water Trucks
- Fuel & Tanker Trucks
- Concrete Mixer Trucks
- Cement Trucks
- Livestock Trucks
- Car Carrier Trucks
- Logging Trucks
- Recycling Trucks
- Freight & Haul Trucks
- Delivery Trucks
- Distribution Trucks
- Mine Spec Trucks
- Commercial Trucks
- Concrete Agitator Trucks
- B-Double Trucks
- Road Train Trucks
Unbeatable Truck Loan Rates - Always Compare Before Signing
Want the best deal on truck finance? We're known for securing the cheapest truck finance rates, consistently beating quotes from banks, dealerships, and other brokers. Through our free truck loan comparison service, we'll compare any quote against our panel to secure you a lower rate with reduced repayments.
Never rely on a verbal interest rate. Many brokers and dealer quote rates over the phone without disclosing all fees and charges, making finance appear cheaper than it really is. That's why it's essential to get your quote in writing to compare actual repayments, as they reveal the true cost of the loan.
If you've received a quote, send it through for a free review. We'll break down the interest rate, repayments, fees, loan structure, and total cost, identify any hidden charges, and let you know if a better deal is available.
A few minutes spent comparing finance options could save your business thousands over the life of the loan.
Get Pre-Approved For Cab Over Finance Before You Buy
A cab over finance pre-approval gives you a real advantage when buying from a dealership, auction, or private seller. With finance already in place, you'll know exactly what you can afford and have greater negotiating power as a serious buyer.
We'll confirm your borrowing capacity, interest rate, loan term, and estimated repayments upfront. With decisions available in as little as 24 hours and approvals valid for up to 90 days, you'll be ready to act when the right cab over comes along.
Simply send us the invoice and we'll arrange settlement and release the funds.
Why Use A Truck Finance Broker?
A specialist truck finance broker helps businesses (ABN holders) secure cheap truck finance rates, flexible terms and faster approvals by comparing multiple lenders instead of relying on a single bank or dealership.
At Overdrive Commercial Funding, we have access to major banks and 80+ non-bank lenders. We match your business, credit profile and truck purchase with lenders whose credit policies suit your circumstances, helping improve approval prospects while avoiding unnecessary credit enquiries.
Whether you're purchasing a new or used prime mover, rigid truck, tipper or trailer, we negotiate competitive rates, flexible repayments and suitable loan structures. We also specialise in new ABN truck finance, low doc applications, private sales and out of the box finance for businesses that fall outside traditional bank lending criteria.
Our truck finance broker service is free, and Simon personally manages your application from initial enquiry through to settlement, with no call centres or handovers.
What can a broker offer that a bank cannot?
New ABN & Low Doc
Finance available from day one of your ABN, with low doc options up to $500k without full financial statements for eligible applicants.
All Credit Profiles
Solutions for businesses with defaults, past credit issues or circumstances that fall outside standard bank lending criteria.
Private Sales & Auctions
Finance for cab overs purchased from private sellers, auction houses and interstate dealers — not just franchised dealerships.
Older Cab Overs Welcome
Finance for cab overs up to 25 years old at end of loan term, including older stock that most banks won't touch.
Asset-Specific Knowledge
Cab Over finance has unique valuation, age and security requirements. A broker who writes these deals daily knows which lenders suit your asset type.
Speed
Applications submitted in the format a particular credit team expects move faster. Approvals in 24 to 48 hours are achievable on straightforward deals.
Protecting Your Credit File
A broker who knows which lender fits does not need to scatter applications across the market. Multiple enquiries in a short window can work against you.
Preserving Your Bank Facilities
Financing the cab over away from your main bank keeps your overdraft and other lines free for working capital.
Structuring Options
Term, balloon and repayment frequency shaped around what the asset earns rather than a standard template.
Why Choose Us As Your Broker?
A selection of options available for this type of finance.
- Free service with no upfront costs or hidden fees
- One broker for the life of your business, no handovers
- 30+ years experience and industry knowledge
- Australian family-owned and operated
- We save every client hundreds to thousands of dollars
- No wait times, direct access to Simon every time
- We can beat bank, dealer and competitor quotes
- We guarantee clear title transfer
- We protect what matters—your credit score
- We build trust by being honest and transparent
- Established, new and 1 day ABNs
- Expert and strategic negotiation approach
- Solutions for various credit profiles
- Tax benefits (asset depreciation)
- 24/7 support as we know business never stops
Can't Be Beaten On Price Or Service
Want the best deal on cab over finance? We're known for delivering low rates in all major cities and surrounding regional areas across NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Low Doc, Light Doc & Full Doc Truck Finance
When applying for truck finance, lenders will generally offer Low Doc, Light Doc or Full Doc finance. The right option depends on how your business is structured and what financial information you can provide.
Low Doc Truck Finance
Light Doc Truck Finance
Full Doc Truck Finance
| Feature | Low Doc Truck Finance | Light Doc Truck Finance | Full Doc Truck Finance |
|---|---|---|---|
| Financial Statements Required | No | No | Yes |
| BAS Statements Required | No | Usually | Sometimes |
| Business Bank Statements | No | Yes | Sometimes |
| Approval Speed | Fastest | Fast | Standard |
| Interest Rates | Higher | Competitive | Most Competitive |
| Borrowing Capacity | Up to $500k | Up to $500k | Up to $10m+ |
| Ideal Outcome | Quick approval with minimal paperwork | Balance of flexibility and pricing | Best pricing and maximum borrowing power |
Which Option Is Right For You?
Need help deciding? Our finance specialists will assess your circumstances and recommend the most suitable asset finance solution for your business.
| If You Are... | Recommended Option |
|---|---|
| Self-employed or businesses with limited financial records | Low Doc |
| Businesses with bank statements and BAS available | Light Doc |
| Businesses with full financials | Full Doc |
Low Doc Truck Finance
Low Doc finance is designed for borrowers who want a simple, streamlined approval process. In most cases, no financial statements or BAS statements are required. Approval is generally based on your ABN history, credit profile, and the asset being financed.
Light Doc Truck Finance
Light Doc finance provides a middle ground between Low Doc and Full Doc lending. Borrowers can often qualify using recent business bank statements and limited supporting documentation, without the need for full financial accounts.
Full Doc Truck Finance
Full Doc finance is suitable for borrowers who can provide complete financial records and supporting documentation. This option typically offers the most competitive rates and highest borrowing capacity.
Compare Your Options
Why Businesses Choose Overdrive
See how going through Overdrive compares to a bank, a typical broker, or dealership finance.
What Matters
Overdrive Funding
Banks
Dealership Finance
Other Finance Brokers
Lender Access
Your Credit Profile
Finance Options
Broker Service Fees
Approval Times
Flexible Lending
Asset Eligibility
Personal Service
After-Hours Support
Ongoing Support
Lender Access
Overdrive Funding
One application. Major banks and 80+ lenders compared.Banks
One lender, their own product onlyDealership Finance
Selected finance partnersOther Finance Brokers
Typically a smaller panel of lendersYour Credit Profile
Overdrive Funding
One soft credit check while we quoteBanks
A hard enquiry on every direct applicationDealership Finance
Hard credit enquiry without rate comparisonOther Finance Brokers
Usually shops you around to multiple lendersFinance Options
Overdrive Funding
We deliver multiple options across low doc, full doc and moreBanks
One product, full financials and paperwork requiredDealership Finance
One rate offered, only available todayOther Finance Brokers
Quotes one rate, tells you it's the best dealBroker Service Fees
Overdrive Funding
Bank rates without the queue or paperworkBanks
Bank fees may applyDealership Finance
Finance fees may applyOther Finance Brokers
Typically charges an additional service fee at settlementApproval Times
Overdrive Funding
Often within 24–48 hours for eligible applicationsBanks
Slow process, typically weeksDealership Finance
Often fast but rate is often non-negotiableOther Finance Brokers
Varies by broker and panelFlexible Lending
Overdrive Funding
New ABNs, low doc and credit challengesBanks
Conservative, minimal policy exceptionsDealership Finance
Subject to lender policyOther Finance Brokers
Depends on lender panelAsset Eligibility
Overdrive Funding
New, used and older equipment up to 25–30 yearsBanks
Asset age restrictions may applyDealership Finance
Limited to dealer stockOther Finance Brokers
Depends on lender accessPersonal Service
Overdrive Funding
Direct access to Simon, the DirectorBanks
No direct numbers, rotating staff and call centresDealership Finance
A salesperson upselling financeOther Finance Brokers
High staff turnover, clients passed between brokersAfter-Hours Support
Overdrive Funding
Available 7 days a week, including evenings and weekendsBanks
Generally business hoursDealership Finance
Dealership trading hoursOther Finance Brokers
Typically no after hours or weekend supportOngoing Support
Overdrive Funding
Assistance before, during and after settlementBanks
Hard to reach with little contact after settlementDealership Finance
Typically none after the saleOther Finance Brokers
Focuses on quick deals and onto the nextWhat To Expect When Working With Us
Our Simple Process
From your first enquiry to finance approval, settlement and ongoing support — no call centres, no handovers, no unnecessary paperwork.
- 01
Consult, Offer & Decide Together
Speak to one of our experts about your business needs, and we'll offer tailored finance options, ensuring we secure the best rates for your specific asset and situation. We'll go over terms and decide which is the best solution for you.
- 02
Conditional Approval
We conduct a soft-touch evaluation of your profile to match you with the right lender for pre-approval. Once you're pre-approved, you can shop confidently for 90 days. If you've found your truck, we'll initiate the process and take care of all the admin.
- 03
Sign Documents and Get Funded
When the lender is prepared to settle, you'll receive the contract for your review and signature. After settlement, it's time to pick up your asset.
- 04
On-Going Support
Once your loan is completed, we'll support you with any related admin, such as payouts, statements, etc.
Better rates. Smarter finance. Bigger opportunities.
One purchase or a bigger funding plan — start with a free conversation.
Repayment Calculator
Truck and trailer finance calculator
Use our free online truck finance calculator to estimate monthly loan repayments and compare interest rates, loan terms and balloon payments. Simply enter your loan amount, interest rate, repayment term and balloon amount to calculate your estimated truck finance repayments in seconds.
Need help?
Loan term
Balloon / residual
Repayment frequency
Your indicative repayment
$3,005/month
≈ $692/week
7.49% p.a. · 5 years · 0% balloon
Loan principal: $150,000
Ready to see your true rate?
This is indicative at 7.49% p.a. Your actual rate depends on the truck, your ABN history and credit profile. Get a personalised quote — no credit impact, no obligation.
Indicative only. Does not represent an offer of credit. Assumes 7.49% p.a. fixed, secured loan for business use. Does not include fees, charges or individual circumstances. Actual rate subject to lender criteria and credit assessment.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
FAQ
Cab Over Finance — Frequently Asked Questions
Common questions about this type of finance — answered.
What are current equipment finance rates in Australia?
Equipment finance rates in Australia currently range from around 7.20% to 10%+ per annum. New equipment from established businesses with clean credit attracts the sharpest rates. Used equipment, new ABNs and specialist assets carry higher rates due to increased lender risk. By comparing 80+ lenders we identify the most competitive rate for your specific equipment and business profile.
Do I need insurance to finance equipment?
Yes. Most lenders require proof of comprehensive insurance before settlement. We recommend arranging it in advance so it doesn't delay your finance — and if you need cover, we can arrange insurance for you as part of the process.
What types of equipment can you finance?
We finance forklifts, CNC machines, generators, spray booths, manufacturing equipment, woodworking equipment, vehicle hoists, packing equipment and more. New or used, across all industries.
What finance structures are available for equipment?
Options include chattel mortgage, finance lease, commercial hire purchase and rental. Each has different ownership, tax and cash flow implications — we'll recommend the right structure for your business.
Can I claim a tax deduction on financed equipment?
Yes. Under the instant asset write-off and depreciation schedules, many businesses can claim significant tax deductions on financed equipment. Speak to your accountant and ask us about structuring options.
Can I finance equipment with a new ABN?
Yes. We work with lenders who consider new ABN and start-up businesses for equipment finance. Approval is subject to credit and asset criteria — contact us to discuss your options.
How quickly can I get equipment finance approved?
Most approvals come through within 24–48 hours. For low doc applications (up to $500k), the process is even faster as less documentation is required.
Can I finance used or second-hand equipment?
Yes. We finance used and second-hand equipment with no age restrictions on most assets. Whether you're buying from a dealer, private seller or auction house, we arrange settlement and release funds directly to the seller — so you can buy with confidence.
What is a commercial hire purchase for equipment?
A commercial hire purchase (CHP) is a finance arrangement where the lender purchases the equipment and hires it to your business. You make fixed repayments and gain ownership when the final payment is made. It offers similar tax benefits to a chattel mortgage, but ownership transfers at the end of the term rather than from day one.
Can I use the instant asset write-off with financed equipment?
Yes, in many cases. If you finance equipment under a chattel mortgage, you may be able to claim the instant asset write-off in the year of purchase, subject to ATO thresholds and your business's eligibility. Speak to your accountant to confirm whether your asset and business qualify.
What types of equipment can I finance?
We finance a wide range of commercial equipment including forklifts, scissor lifts, boom lifts, generators, CNC machines, spray booths, vehicle hoists, packing equipment, woodworking machinery, commercial kitchen equipment, medical equipment and more.
Can I finance used equipment?
Yes. Used equipment finance is available for most asset types. Age limits vary by lender and asset type. Some specialist lenders will finance very old equipment if it's in good condition and has a verifiable market value.
How quickly can equipment finance be settled?
Most equipment finance applications receive a decision within 24–48 hours. Settlement can often occur within 2–3 business days of approval, depending on documentation requirements and whether the asset needs an inspection.
Can I finance equipment from overseas?
Financing imported equipment is possible but typically requires additional documentation, including a customs declaration and evidence of Australian registration or compliance where applicable. Contact us to discuss your specific import situation.
Do I need to insure financed equipment?
Most lenders require proof of insurance before settlement. Equipment insurance requirements vary — some lenders require comprehensive cover, others accept a broader business assets policy. We'll advise what's needed for your specific application.
Is there a minimum loan amount for equipment finance?
Most lenders have a minimum loan amount of $10,000–$20,000. Below this, personal loan or business credit options may apply. We'll advise on the best approach for smaller equipment purchases.
Can I refinance existing equipment loans?
Yes. Refinancing can reduce your interest rate, lower monthly repayments or release equity. We compare current refinance offers across 80+ lenders to see if switching provides a genuine benefit for your situation.
What is the difference between a finance lease and an operating lease for equipment?
A finance lease treats the equipment as yours for accounting purposes — you claim depreciation. An operating lease is treated as an expense — repayments may be fully deductible, and you return the asset at the end. The right choice depends on how long you need the asset and your tax position.
Can I add equipment to an existing loan?
In most cases, additional equipment is financed under a new loan rather than added to an existing one. However, some lenders offer facility structures that can be drawn down progressively. We'll identify the most efficient structure.
Is equipment finance available for new businesses?
Yes. Finance is available for new ABNs on many equipment types. Specialist lenders assess new businesses based on the director's personal credit, the quality of the asset and the loan amount.
Lending Panel
Access to 80+ Lenders In One Place
Overdrive Commercial Funding is directly accredited with all major banks, commercial non-bank, specialist and private lenders.
