Start-Up Machinery Finance: Helping New Businesses Get to Work

Starting a new business often means investing in essential machinery or equipment — but finding a lender willing to help can be difficult when you’re just getting started. Traditional banks usually want years of trading history and financial statements, which most new ABN holders can’t provide.

That’s where Overdrive Commercial Funding comes in. We specialise in start-up machinery finance and new ABN equipment loans, helping Australian businesses access the funds they need to purchase vital machinery, tools, and assets — without the red tape or unnecessary delays.

Machinery & Equipment Finance Designed for Start-Ups

If you’ve recently obtained your ABN or launched a new business, we can help you secure low-doc or no-doc equipment finance tailored to your situation. Whether you’re in construction, manufacturing, agriculture, or transport, our team will find a lender who supports start-ups and understands your industry.

We can arrange finance for a wide range of assets, including:

• Excavators, loaders, and skid steers
• Manufacturing and production equipment
• Forklifts and warehouse machinery
• Earthmoving and agricultural machinery
• Specialist tools and workshop equipment

Typically, start-up machinery finance will require a deposit and a work source letter to demonstrate the strength of your business plans. A work source letter outlines your expected contracts or confirmed work, helping lenders see that your business has reliable income ahead. Even a small deposit can strengthen your application and improve your finance options

Why Choose Overdrive Commercial Funding?

With over 30 years of experience in commercial asset finance, we’ve helped countless start-ups across Australia secure competitive machinery and equipment loans. You’ll deal directly with Simon Kendrick, our Director, ensuring you receive personal service, honest advice, and clear communication from start to finish.

Through our network of 70+ trusted lenders, including banks and specialist commercial funders, we can match you with the right loan to fit your business and budget.

Our advantages include:

• Competitive, market-leading interest rates
• Fast approvals and minimal paperwork
• Finance from $20K to $10M for new or used trucks
• Pre-approvals valid for 90 days, so you can shop confidently
• Transparent communication with no hidden fees or surprises

Flexible Equipment Finance Options

We offer a range of finance options that can be tailored to your needs:

• Chattel Mortgage – ideal for ownership and long-term investment
• Commercial Hire Purchase – structured repayments with flexible ownership
• Finance Lease – great for short-term use or future equipment upgrades

Whether you’re buying privately, through a dealer, or at auction, Overdrive Commercial Funding handles everything — from application to approval, coordination with the supplier, and post-settlement support.

Helping New Businesses Grow

At Overdrive Commercial Funding, we believe start-ups deserve the same opportunities as established companies. Our goal is to provide affordable, transparent, and flexible finance that helps you build momentum from day one.

We don’t just help you secure your first loan — we partner with you as your business expands, offering ongoing support and funding for future assets or fleet growth.

Ready to Get Started?

If you’re ready to purchase new or used machinery, we’ll help you secure the best finance deal for your start-up.

Contact Simon today on 0417 000 316 or complete our simple form below to discuss your start-up machinery finance