Business Loans Australia
Sale & Leaseback
You own equipment, trucks or machinery outright — but that value is sitting idle on your balance sheet. A sale and leaseback turns those assets into working capital while you continue using them without interruption.
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Turn Owned Assets Into Working Capital Without Losing Use Of Them
A sale and leaseback arrangement allows you to sell fully owned business assets — such as trucks, trailers, machinery or equipment — to a financier, who then leases them straight back to you.
The result: you receive the market value of your assets as cash into your business account, while the assets stay in your possession and continue to operate as normal.
We compare 80+ lenders to find the most competitive sale and leaseback rates, with settlements typically completed within 5-10 business days.
Sale and leaseback is one of the most effective ways to unlock hidden capital in your business without taking on new debt secured against property or requiring external collateral.
Contact us today for a free, no-obligation assessment of your assets and find out how much capital you could unlock.
Sale & Leaseback Solutions
How Does Sale & Leaseback Work?
You Own the Asset Outright
Say you own a truck valued at $50,000 — fully paid off, no finance owing. That $50,000 is sitting on your balance sheet as a fixed asset, but it's not generating working capital.
You Sell It to a Financier
Overdrive Funding arranges for a financier to purchase the truck from you at its assessed value — putting up to $50,000 cash directly into your business account.
You Lease It Straight Back
The truck stays exactly where it is — in your hands, on the road, working for you. You simply make fixed monthly lease repayments over a 3–5 year term, just like any other finance arrangement.
You Deploy the Cash
Use the $50,000 however your business needs it — pay a tax bill, cover wages, fund a new contract, purchase more equipment, or simply shore up cash flow. The asset keeps earning while the capital works harder.
Our Simple Process
Tell Us About Your Assets
Let us know what assets you own outright — trucks, trailers, machinery, equipment or property. We'll assess their value and confirm how much capital you can unlock.
We Match Your Assets to the Right Financier
We evaluate your assets against our panel of 80+ lenders, matching them to the most suitable financier based on asset type, condition, age, and value. We manage all documentation, ensuring a clean, smooth transaction.
Approval & Settlement
Once approved, we manage the settlement process from start to finish, coordinating with the lender, your accountant if required, and any other parties to ensure a fast, seamless outcome.
Funds Released to Your Account
Once the sale and leaseback is settled, funds are transferred directly to your account. You retain full use of your equipment while immediately improving your working capital position.
Industries
We've Supported Businesses Across Every Major Industry
Strengthening operations, navigating challenges, and achieving lasting, sustainable growth.
Transport & Logistics
Transportation businesses use finance to manage the high cost of trucks, trailers, fuel, maintenance, and day-to-day operations. Funding helps operators purchase or upgrade vehicles, expand fleets, and cover cash flow gaps caused by delayed payments.
Construction & Civil
Construction and earthmoving businesses rely on finance to manage high upfront costs, heavy machinery purchases, equipment upgrades, maintenance, materials, labour, and ongoing project expenses.
Agriculture & Farming
Agriculture and farming businesses rely on finance to manage high upfront costs and seasonal cash flow demands — tractors, harvesters, irrigation systems, livestock, and other essential equipment.
Forestry & Logging
Forestry and arboriculture businesses rely on finance to manage the high cost of specialist equipment, vehicles, and ongoing operational expenses such as harvesters, chippers and stump grinders.
Mining & Quarrying
Mining and quarrying businesses rely on finance due to the high cost of heavy equipment, long project cycles, and significant upfront capital required for extraction and production.
Manufacturing, Woodworking & Mechanical
Manufacturing, woodworking and mechanical businesses rely on finance to manage the cost of machinery, equipment, materials, and ongoing production expenses.
Professional Services
Professional service businesses across IT, medical, dentistry, hospitality and cleaning businesses rely on finance to manage setup costs, vehicle and equipment purchases, and working capital.
Trades
Tradies across building, plumbing, electrical, carpentry and landscaping rely on finance to fund utes and vans, tools, equipment upgrades and the cash flow gaps that come with progress payments.
Can't Be Beaten On Price Or Service
Want the best deal on sale & leaseback 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.
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