Trailer Finance Made Easy with Overdrive Commercial Funding

Whether you’re purchasing a single trailer or expanding your fleet, finding the right finance solution is key to keeping your business moving efficiently. At Overdrive Commercial Funding, we help Australian businesses secure the best trailer finance deals with low rates, flexible loan structures, and fast approvals.

With access to over 70 trusted lenders, including major banks and specialist asset finance providers, we tailor each loan to your goals — ensuring you get the best trailer finance rates in Australia with transparent service from start to finish.

We Finance All Trailer Types — Australia-Wide

We offer affordable trailer finance solutions for all industries and trailer types, whether you’re buying new, used, or custom-built.

We finance trailers across every state and major city:
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 operates, we’ll help you secure low-rate trailer finance and manage the process from application to settlement — no stress, no delays.

Types of Trailers We Finance

We provide funding for all trailer types used across transport, logistics, construction, agriculture, and other commercial industries.

Trailer finance options include:

• Flat top and drop deck trailers
• Box trailers and enclosed trailers
• Refrigerated (reefer) trailers
• Curtainsider trailers
• Tipper and dump trailers
• Low loader and heavy haulage trailers
• Dog and pig trailers
• Livestock and agricultural trailers
• Car carrier and machinery trailers
• Tanker and vacuum trailers
• Curtain and extendable trailers
• Custom-built or purpose-designed trailers

From single operators to national fleets, we offer funding from $20K to $10M, with cheap trailer finance rates and fast approvals.

Trailer Finance Solutions — Explained

Every business has unique needs — that’s why we offer a range of flexible trailer loan options designed to fit your goals, cash flow, and tax position.

1. Chattel Mortgage — Best for Ownership & Low Rates

A chattel mortgage gives you full ownership of your trailer from the start, with the lender taking security over the asset. It’s one of the most affordable and popular trailer 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 you to use your trailer while paying it off over time. 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 your business lease the trailer for a set period, then choose to buy, upgrade, or return it at the end of the term.

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 functions like renting. You pay fixed monthly amounts to use the trailer, then 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 delivering the best trailer finance deals in Australia. Whether you need one trailer or a full fleet, we’ll source low-rate, affordable finance options that help your business grow without straining cash flow.

Our advantages include:

• Best trailer finance rates in Australia
• Cheap repayments and flexible structures
• Access to 70+ banks and commercial lenders
• Funding from $20K to $10M
• Pre-approvals valid for 90 days
• 100% free service — no hidden fees or surprises
• Expert guidance from Simon Kendrick, our Director, every step of the way

Why Businesses Choose Overdrive Commercial Funding

With over 30 years of industry experience, we’ve built long-term partnerships with lenders who understand the transport and logistics industries. We know what it takes to secure fast approvals, low rates, and transparent finance — all while providing a personalised service experience.

We proudly serve clients nationwide, financing trailers for:

• Owner-drivers and transport companies
• Freight and logistics providers
• Construction and mining contractors
• Agricultural and rural operators
• Fleet managers and business owners

Ready to Finance Your Next Truck?

Wherever you’re based — Sydney, Melbourne, Brisbane, Perth, Adelaide, Hobart, Darwin, or Canberra — Overdrive Commercial Funding can help you access the best trailer finance options, cheap rates, and flexible repayments designed for your business.

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