Australia's #1 lowest rate agriculture & farm equipment finance.

As trusted farm & agriculture equipment finance brokers, we offer loans up to $10M with competitive fixed rates—whether you're buying one machine or a full fleet, our solutions are designed to support your business's growth.

Low doc equipment loans (no financials) up to $500K.

98%

client success rate - simple approvals and fast funding.

70+

lenders and banks to compare with zero impact on credit score.

Zero

in-house fees, hidden cost or upfront credit checks.

Save

time and money with our competitive rates and premium service.

find your best rate today

“I used Overdrive for machinery finance to acquire a digger. Simon had great communication and offered a friendly hassle free service. I have no hesitation in recommending Overdrive Funding to other Australian businesses.”

Ben H.

Simple, smart & fair—finance done right.

Want the best deal on low rate on farm equipment finance? We source the right machinery loan with fixed interest rates, flexible terms, and affordable repayments—helping businesses and ABN holders invest confidently in what they need to grow.
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We'll guide you through the process, ensuring clear, transparent and reliable communication for a hassle-free experience, while managing everything from application to settlement—structuring your deal to meet lender criteria, arranging invoices with the seller, and supporting you with any post-settlement admin.

As a family-owned brokerage with over 30 years of experience, we'll always be honest about rates and will educate you on your loan, so you'll know what to expect—no surprises or hidden fees. We're here to support our clients for the long haul by matching you with the right lender who will secure the most competitive rate for every purchase.‍

New or used, big or small.

Get pre-approved at low rates on finance loans for tractors, balers, harvesters, spreaders, sprayers, backhoes, loaders, seeders, skidders, headers, chaser bins and more.
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Whether you're buying your first, upgrading, or purchasing multiple assets, we’ve got you covered. We arrange financing for both new and used from dealerships, private sellers, or auctions.

Ready to get started? Give us a call or fill out our simple online form to compare your options.
We value your time—if we can’t assist, we’ll let you know straight away with no impact.
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Get A Free Quote

Our commitment extends beyond assisting with a single business requirement or asset purchase; we’re here to be your partner for the long haul.

Supporting ABN holders and businesses across Australia.

Why choose us?

Free service with no upfront costs or hidden fees

Gain a dedicated licensed finance broker

30+ years experience and industry knowledge

Australian family-owned brokerage firm

We build trust by being honest and transparent

Our experts help you save time and money

We can beat bank, dealer and competitor quotes

Competitive rates, repayments & loan terms

Efficient approvals & fast settlements

90 day fixed pre-approvals: Shop with confidence

Credit score protection

Zero paperwork: We do all the hard work

New or used - no asset age restrictions

Purchase from a dealership, private seller or auction

Personalised service tailored to your specific needs

Expert and strategic negotiation approach

No wait times: Direct access to our team

Non-property owners accepted

Solutions for various credit profiles

Established, new and 1 day ABN holders

Balloon payment and early payout options

No deposit options

Tax benefits (asset depreciation)

Insurance solutions through our trusted network

Built a loyal client base due to our rates & service

Support for the lifetime of your business

Our simple process.

Get A Free Quote

Receive a complimentary comparison quote by completing our short online form or giving us a call to discover the wide range of affordable equipment financing options at your disposal for you and your business.

Conditional Approval

We will conduct a credit profile evaluation that will not leave any imprints in order to find the most suitable lender for your equipment loan and obtain a quick pre-approval. You can shop and enquire with confidence, or if you've already found your asset, we'll initiate the settlement process.

Sign Documents

After we receive confirmation of the settlement, we will thoroughly review your loan terms and repayment options to make sure they meet your needs and preferences. Once the contract is ready, it will be sent to you for your review and signature.

Get Funded

Once the funds are ready to go, we will make sure to contact you and extend our best wishes on your successful purchase. Afterward, you will be able to proceed with collecting your farm equipment at your convenience.

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See how Overdrive delivers more.

Fast approvals & turnarounds.

Apply online or give us a call to see if you're eligible for pre-approval in just minutes. You can receive a formal finance approval within 24 hours, and for low doc applications, funds can be available within 48 hours. Please note, full doc applications may take additional time.

Loans from $20K up to $5M.

✔ Low-doc (no financials) up to $500K
✔ Full-doc from $500K-$5M
✔ No deposit options
✔ Balloon options to reduce monthly payments
✔ Early payout options
✔ No property as security

Credit score protection.

Before matching your application with a suitable lender, it undergoes a thorough, soft-touch evaluation of over 1,000 lender policies, all without impacting your credit score. Unlike other companies, we cover the cost of these evaluations, making us the better choice.

No paperwork or wait times.

We’ll handle all the hard work, providing you with a seamless and hassle-free experience. You won’t have to worry about long waits or excessive paperwork like you would when dealing with banks or other companies.

Tax effective solutions.

At Overdrive, our consultants are dedicated to understanding your unique business needs in order to negotiate tailored solutions that consider your tax obligations and cash flow requirements.

Low monthly repayments.

You can take advantage of comparing competitive interest rates, repayments, and flexible loan terms from our extensive network of over 65 trusted Australian banks and non-bank lenders.

Personalised approach.

We value our proactive and personalized approach, which is a key component of our service. We understand that every client and application has unique needs and requirements, and we are committed to providing them with the necessary support.

Guidance and support.

We are dedicated to offering full support and peace of mind throughout the entire loan process, from start to finish. Our main priority is to ensure our clients receive the highest level of service and assistance.

Great rates, better service.

We are focused on delivering the best rates in the market. We are committed to providing exceptional service and working diligently to help our clients achieve their long-term goals.

Sale & leaseback.

Leverage our sale & leaseback option to unlock capital from your existing assets! For instance, if you own your equipment outright and it's valued at $50K, you can borrow the equivalent amount by using your equipment as collateral.

Equipment refinancing.

You can refinance your equipment with us. If you're looking for a better interest rate, balloon refinance, or inexpensive payment terms, give our specialists a call, and we’ll take care of the rest to secure a better outcome for you.

Insurance solutions.

When needed, we can help you secure insurance. Through our network of trusted providers, we can connect you with experts who will guide you in insuring your equipment.

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