Machinery Finance Made Simple with Overdrive Commercial Funding

Investing in machinery is a major step for any business — whether you’re just starting out or expanding your operations. At Overdrive Commercial Funding, we make it simple, fast, and affordable to secure the best machinery finance deals in Australia, with low rates, flexible loan options, and transparent service from start to finish.

With access to over 70 trusted lenders, including major banks and specialist asset funders, we’ll find the right finance solution to suit your business, cash flow, and growth plans.

We Finance All Machinery Types — Australia-Wide

We provide machinery finance across all industries and all Australian states and territories. Whether you’re purchasing new or used equipment, from a dealer or private seller, we’ll help you get approved quickly and easily.

We finance machinery across:
New South Wales (NSW) – Sydney, Newcastle, Wollongong, Central Coast
Victoria (VIC) – Melbourne, Geelong, Ballarat, Bendigo
Queensland (QLD) – Brisbane, Gold Coast, Sunshine Coast, Townsville, Cairns
Western Australia (WA) – Perth, Bunbury, Geraldton
South Australia (SA) – Adelaide, Mount Gambier, Whyalla
Tasmania (TAS) – Hobart, Launceston, Devonport
Northern Territory (NT) – Darwin, Alice Springs
Australian Capital Territory (ACT) – Canberra

Wherever your business is located, we’ll source low-rate machinery finance and manage the process from application through to settlement — with no handovers or call centres.

Types of Machinery We Finance

We provide finance for all machinery and equipment types, including:

Construction & Earthmoving:

• Excavators, skid steers, loaders, dozers, and graders
• Tippers, dumpers, and compactors
• Cranes and lifting machinery

Agricultural & Farming:

• Tractors, harvesters, sprayers, and seeders
• Balers, mowers, and hay equipment
• Livestock and feed machinery

Manufacturing & Industrial:

• CNC machines, press brakes, and laser cutters
• Forklifts and warehouse equipment
• Production lines and factory machinery

Forestry and Arborist Equipment:

• Wood chippers and stump grinders
• Log splitters, mulchers, and sawmills
• Tree trimming and cutting machinery
• Forestry trailers and loaders
• Wood waste recycling equipment

Mining & Heavy Equipment:

• Drill rigs, crushers, and screening equipment
• Water and service trucks
• Mobile and fixed plant machinery

Specialised Equipment:

• Workshop tools and service equipment
• Medical equipment
• Hospitality equipment

Recycling & Waste Management Equipment:

• Shredders, balers, and compactors
• Waste collection trucks and bin lifters
• Sorting and processing systems
• Skip loaders and recycling trailers
• Crushers, conveyors, and landfill equipment

From small businesses to large-scale operations, we offer funding from $20K to $10M with cheap rates, flexible terms, and fast approvals.

Machinery Finance Solutions — Explained

Every business is different — that’s why we offer multiple finance structures to help you secure the best deal and lowest rate possible while keeping your cash flow strong.

1. Chattel Mortgage — Best for Ownership & Low Rates

A chattel mortgage gives you full ownership from day one while the lender registers the machinery as loan security. It’s one of the most cost-effective and popular finance options in Australia.

Benefits:

• Full ownership from the start
• Fixed low interest rates and predictable repayments
• GST and tax benefits (consult your accountant)
• Balloon options to lower monthly costs

2. Commercial Hire Purchase (CHP) — Best for Flexibility

A commercial hire purchase allows your business to use the machinery while making regular repayments. Once the final payment is made, ownership transfers to you.

Benefits:

• Flexible terms up to 7 years
• Fixed or variable rates
• Ownership at the end of term
• Helps manage long-term cash flow

3. Finance Lease — Best for Growth & Upgrades

A finance lease lets you lease machinery for a set term, with the option to buy, extend, or return it at the end.

Benefits:

• No large upfront costs
• Possible tax deductions for lease payments
• Option to upgrade vehicles at lease end
• Maintains liquidity for other business expenses

4. Operating Lease — Best for Predictable Costs

An operating lease is ideal for businesses that prefer simplicity and predictability. You rent the machinery, make fixed monthly payments, and return it at the end of the term.

Benefits:

• No ownership or resale responsibilities
• Predictable budgeting with fixed payments
• Maintenance and insurance options included
• Perfect for fleets and large businesses

Best Deals, Low Rates & Nationwide Service

At Overdrive Commercial Funding, we’re committed to helping businesses secure the best machinery finance deals in Australia with low interest rates, fast approvals, and flexible repayment options.

Our advantages include:

• Best machinery finance rates nationwide
• Low-cost, tailored loan options
• Access to 65+ banks and commercial lenders
• Funding from $20K to $10M
• Pre-approvals valid for 90 days
• No hidden fees — our service is 100% free
• Direct, transparent guidance from Simon Kendrick, our Director

Why Businesses Choose Overdrive Commercial Funding

With decades of experience in commercial asset finance, Overdrive Commercial Funding is trusted by Australian businesses across construction, agriculture, manufacturing, and recycling and waste management sectors.

We understand every industry operates differently — so we take the time to tailor finance solutions that help you save money, protect cash flow, and grow with confidence.

Ready to Finance Your Next Truck?

Whether you’re in Sydney, Melbourne, Brisbane, Perth, Adelaide, Hobart, Darwin, or Canberra, Overdrive Commercial Funding can help you access the best low-rate machinery finance deals with quick approvals and honest advice.

Contact Simon today on 0417 000 316 or complete our simple form below to discuss your machinery finance options.