Roller Finance
We're trusted roller finance brokers, helping ABN holders, businesses and owner-operators secure roller 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 Roller Finance Australia
Looking for the lowest rate on roller 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 roller loans brokers secure loans for new, used and demo assets purchased through dealerships, private sellers and auctions.
Low-doc (no financials) roller loans up to $500,000 and no deposit roller 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 roller loans.
Roller Brands We Loan
We arrange roller loans for all makes and models.
- Caterpillar
- Komatsu
- Hitachi
- Liebherr
- Volvo
- Doosan
- Kobelco
- Hyundai
- JCB
- Case
- Kubota
- Bobcat
- Terex
- Manitou
- Takeuchi
Range Of Solutions
We provide custom solutions to support your business at every stage of growth:
- No doc roller finance
- Lite doc roller finance
- Low doc roller finance
- No financials roller finance
- Full doc roller finance
- No deposit roller finance
- Bad credit roller finance
- Used roller finance
- New roller finance
- Chattel mortgage
- Roller lease
- Hire purchase
- Rent-to-own
- Sale & leaseback
Unbeatable Rates - Always Compare Before Signing
We're known for securing the cheapest roller 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 roller 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 roller 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 Roller Finance Before You Buy
A roller 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 roller 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 rollers purchased from private sellers, auction houses and interstate dealers — not just franchised dealerships.
Older Rollers Welcome
Finance for rollers up to 25 years old at end of loan term, including older stock that most banks won't touch.
Asset-Specific Knowledge
Roller 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 roller 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 roller 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
Roller Finance — Frequently Asked Questions
Common questions about this type of finance — answered.
What are current machinery finance rates in Australia?
Machinery finance rates in Australia currently range from around 7.20% to 10%+ per annum. Established businesses buying new machines from major brands with clean credit attract rates from 7.20%. Rates for used machinery, new ABNs or specialist assets are typically higher. By comparing 80+ lenders we find the sharpest rate for your specific machine and profile. Contact us for a free rate comparison with no impact on your credit.
Do I need insurance to finance machinery?
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 machinery can you finance?
We finance excavators, bulldozers, cranes, skid steers, loaders, graders, tractors, harvesters, backhoes, telehandlers, pavers, scrapers and all other construction, agricultural and mining equipment — new or used.
Can I get machinery finance with low documentation?
Yes. For loans up to $500k, low doc machinery finance is available with just your ABN, driver's licence and recent bank statements. No BAS, no tax returns, no financials required.
What is chattel mortgage for machinery?
A chattel mortgage is the most common finance structure for business machinery. You own the asset immediately while the lender holds a charge over it as security. It offers GST input tax credit benefits and potential tax deductions on depreciation and interest.
Can I finance used or second-hand machinery?
Yes. We finance used machinery with no age restrictions on most assets. We arrange finance for machines purchased from dealers, private sellers, and auction houses across Australia.
How long does machinery finance approval take?
Most machinery finance applications receive a decision within 24–48 hours. Once pre-approved, you have 90 days to find your machine and complete the purchase.
Do I need a deposit for machinery finance?
Not always. Zero-deposit machinery finance is available for eligible businesses. Some lenders require a small deposit for high-value or older assets. We'll tell you exactly what's needed upfront.
Can I claim tax deductions on financed machinery?
Yes. Under a chattel mortgage, you can claim the GST input tax credit upfront and deduct depreciation and interest payments over the loan term. Under a finance lease, lease payments are typically fully tax-deductible. The instant asset write-off may also apply depending on the asset value and your business circumstances — speak to your accountant.
What loan structures are available for machinery finance?
The main structures are chattel mortgage (you own the asset from day one), finance lease (lender owns, you pay and use), commercial hire purchase (ownership transfers at final payment), and rental or operating lease (off balance sheet). Each has different tax and cash flow outcomes — we'll recommend the right structure for your business.
Can a brand-new business get machinery finance?
Yes. We work with lenders who accept applications from new businesses and recently registered ABNs for machinery finance. Approval depends on the asset type, loan amount, your credit profile and whether any security or deposit is available.
Can I finance ex-demo, ex-hire or auction machinery?
Yes. We finance ex-demonstration, ex-hire fleet, government surplus and auction machinery subject to lender age and condition criteria. Private sale purchases are also supported — we settle funds directly to the seller so you can bid with confidence.
Do balloon or residual payments work on machinery finance?
Yes. A balloon or residual payment defers a portion of the loan to the end of the term, reducing your monthly repayments. We structure the balloon to suit the machine's expected resale value and your replacement cycle so it doesn't catch you out at maturity.
Can I do a sale-and-leaseback on machinery I already own?
Yes. A sale-and-leaseback lets you release equity from machinery you own outright — the lender purchases the asset and leases it back to you, freeing up capital for other business needs. It's a common option for operators who own their fleet free and clear.
Can repayments be structured around seasonal income?
Yes. Seasonal repayment structures are available for businesses whose income follows seasonal patterns — agriculture, construction, mining cycles. We match you to lenders who can build repayments around how your cash flow actually runs.
What types of machinery can I finance?
We finance excavators, bulldozers, graders, loaders, forklifts, cranes, telehandlers, compactors, pavers, rollers, road planers, scrapers and virtually any type of earthmoving, construction or agricultural machinery. New, used, and aged machinery up to 20+ years depending on lender.
Can I get machinery finance with no deposit?
Yes. No-deposit machinery finance is available for eligible ABN holders with a strong credit and trading history. We identify lenders on our panel who offer 100% finance for machinery — no cash upfront required.
What is the maximum age of machinery I can finance?
Most lenders finance machinery up to 10–15 years old at standard rates. Some specialist lenders will finance older machinery (15–20+ years) with a slightly higher rate or a deposit. We identify the right lender for the specific age and type of machinery you're purchasing.
Can I finance machinery from a private seller?
Yes. We arrange finance for machinery purchased from private sellers anywhere in Australia. Settlement is handled the same way as a dealership purchase — the lender pays the seller directly once documents are signed.
What finance structure suits machinery purchases?
Chattel mortgage is the most popular structure for machinery — your business owns the asset from day one, you can claim the full GST upfront, and depreciation can reduce your taxable income. Finance lease is another option if you prefer lower repayments and full deductibility. We'll compare structures based on your tax position.
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.
