JCB Finance
We're trusted JCB finance brokers, helping ABN holders, businesses and owner-operators secure JCB 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
Machinery Finance Australia Australia Wide
Low-Rate JCB Finance Australia
Looking for the lowest rate on JCB loans? We compare rates, fees and terms from over 80 lenders to secure you the most competitive deal in the market — and our service is 100% free. If you decide not to proceed, it's no cost to you.
We handle the entire process on your behalf. This includes preparing your application, choosing the right lender for your credit profile and ABN history, negotiating the rate and terms, and managing all paperwork through to settlement. We also assist with post-settlement administration, including existing loans payouts and related documentation.
Most clients are surprised by how much lower our rates and repayments are compared to financing through a dealership, bank or another broker. If you've been quoted elsewhere, send us the quote and we'll review it free of charge to see if we can beat it.
Our JCB loans brokers secure loans for new, used and demo equipment purchased through dealerships, private sellers and auctions.
Low-doc (no financials) JCB loans up to $500,000 and no deposit JCB loans is available for eligible applicants.
Get in touch with Simon for a free, no-obligation quote and discover how much you could save on JCB loans.
John Deere Brands We Finance
We arrange loans for all new and used machinery:
- Excavators
- Mini Excavators
- Skid Steer Loaders
- Track Loaders
- Wheel Loaders
- Backhoe Loaders
- Bulldozers
- Graders
- Rollers
- Compactors
- Scrapers
- Trenchers
- Telehandlers
- Forklifts
- Reach Stackers
- Material Handlers
- Tower & Mobile Cranes
- Drilling Rigs
- Piling Equipment
- Screening Plants
- Crushing Plants
- Conveyors
- Generators
- Lighting Towers
- Water Carts
- Sweepers
- Asphalt Pavers
- Concrete Pumps
- Concrete Agitators
- CNC Machines
- Farm Machinery
- Tractors
- Harvesters
- Sprayers
- Seeders
- Mulchers
- Forestry Equipment
- Mining Equipment
- Scissor & Boom Lifts
- Chippers and Grinders
- Rock Breakers
- Directional Drills
Range Of Solutions
We provide custom solutions to support your business at every stage of growth:
- No doc JCB finance
- Lite doc JCB finance
- Low doc JCB finance
- No financials JCB finance
- Full doc JCB finance
- No deposit JCB finance
- Bad credit JCB finance
- Used JCB finance
- New JCB finance
- Chattel mortgage
- JCB lease
- Hire purchase
- Rent-to-own
- Sale & leaseback
Unbeatable Rates - Always Compare Before Signing
We're known for securing the cheapest JCB finance rates, consistently beating quotes from banks, dealerships, and other brokers. Through our free machinery 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 JCB 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 JCB finance comes along. Simply send us the invoice and we'll arrange settlement and release the funds.
Machinery We Finance
We finance any new or used machinery from dealerships, private sellers and auctions:
- Excavators
- Mini Excavators
- Skid Steer Loaders
- Track Loaders
- Wheel Loaders
- Backhoe Loaders
- Bulldozers
- Graders
- Rollers
- Compactors
- Scrapers
- Trenchers
- Telehandlers
- Forklifts
- Reach Stackers
- Material Handlers
- Tower & Mobile Cranes
- Drilling Rigs
- Piling Equipment
- Screening Plants
- Crushing Plants
- Conveyors
- Generators
- Lighting Towers
- Water Carts
- Sweepers
- Asphalt Pavers
- Concrete Pumps
- Concrete Agitators
- CNC Machines
- Farm Machinery
- Tractors
- Harvesters
- Sprayers
- Seeders
- Mulchers
- Forestry Equipment
- Mining Equipment
- Scissor & Boom Lifts
- Chippers and Grinders
- Rock Breakers
- Directional Drills
Unbeatable Rates - Always Compare Before Signing
We're known for securing the cheapest machinery finance rates, consistently beating quotes from banks, dealerships, and other brokers. Through our free machinery 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 JCB Finance Before You Buy
A JCB 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 JCB comes along.
Simply send us the invoice and we'll arrange settlement and release the funds.
Why Use A Machinery Finance Broker?
At Overdrive Funding, we do more than arrange machinery loans — we help businesses secure the right finance solution to support growth and improve cash flow.
Rather than being limited to one bank, we compare over 80 lenders to access competitive rates, flexible terms, and stronger approval opportunities.
Whether you're financing an excavator, loader, dozer, or a full site of equipment, we tailor machinery finance solutions to suit your business needs.
Our goal is simple: make machinery finance faster, easier, and more affordable while helping you secure the best possible outcome.
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 JCBs purchased from private sellers, auction houses and interstate dealers — not just franchised dealerships.
Older JCBs Welcome
Finance for JCBs up to 25 years old at end of loan term, including older stock that most banks won't touch.
Asset-Specific Knowledge
JCB 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 JCB 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 JCB 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 Machinery Finance
When applying for machinery finance, lenders will generally offer Low Doc, Light Doc or Full Doc options. The right choice depends on your business structure, trading history, and the type of machinery you're purchasing.
Low Doc Machinery Finance
Light Doc Machinery Finance
Full Doc Machinery Finance
| Feature | Low Doc Machinery Finance | Light Doc Machinery Finance | Full Doc Machinery 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 Machinery 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 Machinery 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 Machinery 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 machinery, 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
Machinery finance calculator
Use our free online machinery 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 machinery 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 machinery, 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
JCB Finance — Frequently Asked Questions
Common questions about this type of finance — answered.
Can you beat JCB dealership finance rates?
It's hard to beat new JCB from the dealership direct — manufacturers often subsidise finance rates to move stock and we're always happy to try. For used JCB from dealerships, private sellers or auction, we can typically beat the rate by a meaningful margin. Send us your quote and we'll compare it for free, no obligation.
What JCB models do you finance?
We finance all JCB models — new, used and demo — purchased from dealerships, private sellers and auctions across Australia. Contact us to confirm eligibility on a specific piece of equipment.
Can I get low doc JCB finance?
Yes. Low doc JCB finance up to $500,000 is available for eligible ABN holders — no financials, BAS or tax returns required. You typically need your ABN, driver's licence and recent bank statements.
Can I get JCB finance with no deposit?
Yes. No deposit JCB finance is available for eligible applicants. We compare 80+ lenders to find the best structure for your credit profile and ABN history.
How long does JCB finance approval take?
Most JCB finance applications receive a credit decision within 24–48 hours. Pre-approvals are valid for 90 days, giving you time to compare models and negotiate with sellers.
Can I refinance my existing JCB loan?
Yes. If you have an existing JCB loan and want to reduce your rate or restructure repayments, we compare 80+ lenders to find the most competitive refinance option available.
Can I finance used JCB equipment?
Yes. We finance new and used JCB equipment with no age restrictions on most assets. Whether you're buying from a dealership, private seller or auction, we can arrange settlement and release funds directly.
Do I need insurance to finance JCB 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 as part of the process.
How much does it cost to use Overdrive Funding?
Nothing. Our service is 100% free — we're paid a referral fee by the lender once your finance settles. There are no hidden fees, no application charges and no ongoing costs to you.
How quickly can I get approved?
Most applications receive a decision within 24–48 hours. Once approved, your pre-approval is valid for 90 days, giving you time to find the right asset and complete your purchase.
Will applying affect my credit score?
No. Submitting an enquiry with Overdrive Funding does not affect your credit score. We only proceed to a formal credit application — which involves a credit check — with your explicit approval.
Do I need to own property to qualify?
No. We have solutions for non-property owners, new ABNs, start-ups, sole operators and established businesses. Property ownership is not a requirement for most asset finance applications.
Can you help if I have a bad credit history?
Yes. We compare 80+ lenders to find solutions that suit a wide range of credit profiles, including applicants who have been declined by traditional banks. We work with specialist lenders who consider the full picture.
What documents do I need to apply?
For a low doc application (up to $500k) you typically need your ABN, driver's licence and bank statements. Full doc applications may require BAS statements, tax returns and financials. We'll guide you through exactly what's needed for your situation.
What is the difference between a finance broker and going directly to a bank?
A finance broker compares multiple lenders on your behalf in a single application — giving you access to the most competitive rates across 80+ banks and specialist lenders without shopping around individually or damaging your credit score through multiple applications. Banks can only offer their own products. Using a broker typically results in a better rate, faster approval and a structure better suited to your business.
Can I get pre-approved before I choose my asset?
Yes. Pre-approval locks in a borrowing limit and indicative rate before you commit to purchasing a specific asset. It gives you confidence when negotiating with dealers, private sellers or at auction — and is valid for 90 days. Contact us to get your pre-approval started today.
What finance structures are available?
The main structures for asset finance are chattel mortgage (most popular for ABN holders — you own the asset, lender holds a charge), finance lease (lender owns the asset during the term, you pay rent), commercial hire purchase, and operating lease. For business loans, we offer term loans, lines of credit, overdrafts and invoice finance. We'll recommend the right structure for your tax position and cash flow.
How much can I borrow?
Asset finance ranges from $20,000 to $10 million or more depending on the asset and your financials. Business loans typically range from $10,000 to $500,000 unsecured, and higher with security. We'll give you a borrowing capacity estimate in your first conversation.
Is there a minimum ABN age?
Some lenders require 12 or 24 months of ABN history. Others accept 1-day ABNs for asset finance. We identify the right lender for your ABN age and business history — so being a newer business doesn't automatically exclude you.
Do I need to be GST-registered?
Most lenders prefer GST-registered businesses for commercial asset finance, but it's not always mandatory. GST registration for 12 months or more opens up the most competitive rates and the widest panel of lenders.
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.
