Australia's #1 lowest rate yellow good finance solutions.

As trusted machinery 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 machinery loans (no financials) up to $500K.

98%
client success rate - simple approvals and fast funding.
70+
lenders and banks to compare with no 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
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“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 to other Australian businesses.”

Ben H.

Australia's leading truck, trailer, machinery, equipment and business vehicle finance provider.
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Simple, smart & fair—finance done right.

Want the best deal on low rate on machinery finance? We source the right loan with fixed interest rates, flexible terms, and affordable repayments—helping businesses, ABN holders and start-ups invest confidently.
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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 excavators, dozers, graders, cranes, loaders, concrete pumps, skid steers, forklifts, telehandlers, pavers, rollers, compactors, and more.

Whether you're buying your first, upgrading, or purchasing multiple assets, we’ve got you covered. We arrange financing for both new and used machinery from dealerships, private sellers, or auctions.
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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.

Get A Free Quote

Get a quick quote!

Compare your options today with no upfront credit checks and no impact on your credit score. We can beat the banks and dealers.
Eligibility requirement: To qualify, you must be an Australian citizen or permanent resident. We are unable to process applications for student visas.
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Brands we finance everyday.

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.

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 soltuion 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 asset, 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.
Get A Free Quote

See how Overdrive delivers more.

Fast approvals & turnarounds.

Apply online or call us to check your pre-approval eligibility in minutes. Low doc approvals can be secured within 24 hours, with funding available within 48 hours. Full-doc applications may require additional processing time.

Finance made easy.

✔ Low-doc loans up to $300K
✔ Full-doc loans up to 10M+
✔ 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.

As your finance broker, we take care of all the hard work, ensuring a smooth and hassle-free experience. You won’t have to deal with lengthy delays or excessive paperwork that often come with going directly to banks or other companies. We’ll streamline the process, so you can focus on what truly matters—growing your business.

Tax effective for businesses.

Asset finance offers tax benefits by allowing businesses to depreciate assets, spreading their cost over time and reducing taxable income. Interest on loan repayments is also deductible, further lowering taxes. Additionally, businesses may qualify for the instant asset write-off, allowing them to claim the full cost of assets as an immediate tax deduction.

Variety of solutions.

Chattel mortgage, Finance lease, Novated lease, Operating lease, Hire purchase, Rent-to-own, Asset refinance, Sale & buy-back, Invoice financing, Overdraft facility, Working capital, Business loans, Commercial property loans, Trade finance, and more.

Personalised approach.

We prioritise a proactive and personalised approach, ensuring that every client and application receives the attention it deserves. By understanding each client’s unique needs, we are able to provide the tailored support and guidance they require.

Guidance and support.

With a focus on excellence, we offer extensive support and guidance throughout the entire loan process. Our commitment is to deliver the highest quality of service and assistance, so our clients can have full peace of mind throughout their experience.

Great rates, better service.

We secure the lowest rates tailored to each credit profile through our network of 70 lenders and banks. Our focus is on providing premium service and working diligently to negotiate the best solutions that align with our clients' long-term goals.

Sale & leaseback.

Maximise the value of your assets with our sale and leaseback option. For instance, if you own an asset worth $50K, you can use it as collateral to secure a loan for the same amount, providing you with the capital needed to invest in other areas of your business.

Machinery refinancing.

You can refinance your machinery 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.

Insurance solutions.

Our strong relationships with leading insurance providers allow us to connect you with experienced professionals who will ensure your machinery is insured with the right coverage.
Get A Free Quote

Access to 70+ lenders in one place

We’ve supported thousands of business owners across Australia.

The success of our loyal long-term client base reflects our competitive solutions, extensive industry expertise, and exceptional customer service.

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Enjoy competitive rates, affordable repayments, and flexible loan terms for your business needs, supported by a team of professionals that you can trust for the long-term success of your business.
Office Hours And Locations

Monday - Sunday
8 AM - 6 PM
NSW, QLD, VIC, WA, SA, NT

Get In Touch
info@overdrivefunding.com.au
1300 883 859
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OVERDRIVE COMMERCIAL FUNDING PTY LTD. © ALL RIGHTS RESERVED 2022.
Overdrive Commercial Funding PTY LTD ABN 87 659 049 895 trading as Overdrive Funding.
We are authorised as credit representatives of Connective Credit Services Pty Ltd, Australian Credit Licence 389328.
This page only provides general information; it was not created with your objectives, needs, or financial situation in mind when designing. Before accepting any offer or product, we advise you to think about whether it is appropriate for your situation and to review your entire financial situation. It is not intended to be legal, tax, or financial advice, and you should always seek a professional's opinion regarding your specific circumstances.
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