Australia's #1 lowest rate excavator finance solutions.

Get the best deal on excavator finance, loans and leasing options at low rates, affordable repayments, and flexible terms tailored to fuel your business growth.

Borrow from $20,000 up to $5,000,000. No financials required for ABN holders up to $500,000.

95%

success rate - simple approvals and fast funding.

65+

lenders to compare with zero impact on credit score.

FREE

service with no in-house fees, upfront or hidden costs - ever!

30%

increase in savings when choosing us as your broker.

We will beat competitor quotes!

COMPARE YOUR OPTIONS HERE!

Excellent 4.9 out of 5

“I used Overdrive for machinery finance to acquire a digger. Simon had great communication and offered a friendly hassle free service. I have no hesitation in recommending Overdrive Funding to other Australian businesses.”

Ben Hone, Director, Limb-It-Less Tree Services

Compare and save today.

Looking for cheap rates on excavator finance? We assist ABN holders—including sole traders, tradies, self-employed individuals, companies, partnerships, and trusts—secure the best deal in the market.
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Working with us means having a dedicated broker by your side throughout the entire process—from the first conversation to application and celebrating your approval. With tailored solutions like chattel mortgages, operating and finance leases, novated leasing, rent-to-own, hire purchase, and sale & leaseback—we provide the flexibility your business needs to succeed.
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With over 30 years of expertise in excavator finance, we prioritise delivering a hassle-free experience and complete transparency. We provide clear, true effective rates and fully disclose all lender terms, conditions, and fees, educating you on how your loan will work so you know you're taken care of and won't ever need to go anywhere else. Our focus is on building trust and supporting your business through every stage of its growth.
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Ready to get started? Give us a call or complete our simple online form to compare your options.
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Secure finance at low rates for excavators and mini diggers. Whether you’re purchasing new or used excavator from a dealer, private seller, or auction, we've got you covered.

We look forward to speaking with you and assisting in securing your next excavator loan. Your time matters—if we’re not able to help, we’ll be upfront and let you know right away, with no impact on your credit score.

Get A Free Quote

Our commitment extends beyond assisting with a single business requirement or asset purchase; we’re here to be your partner for the long haul.

Supporting individuals and businesses across Australia.

Why choose us?

Free service with no upfront costs or hidden fees

Gain a dedicated licensed finance broker

30+ years experience and industry knowledge

Australian family-owned brokerage firm

We build trust by being honest and transparent

Our experts help you save time and money

Access 65+ banks & non-bank lenders

Competitive rates, repayments & loan terms

Same-day approvals & fast settlements

90 day fixed pre-approvals: Shop with confidence

Credit score protection

Zero paperwork: We do all the hard work

New or used - no asset age restrictions

Purchase from a dealership, private seller or auction

Personalised service tailored to your specific needs

Expert and strategic negotiation approach

No wait times: Direct access to our team

Non-property owners accepted

Solutions for various credit profiles

Established, new and 1 day ABN holders

Balloon payment and early payout options

No deposit options

Tax benefits (asset depreciation)

Insurance solutions through our trusted network

Built a loyal client base due to our rates & service

Support for the lifetime of your business

Our simple loan process.

Get A Free Quote

Receive a complimentary comparison quote by completing our short online form or giving us a call to discover the wide range of affordable excavator financing options at your disposal for you and your business.

Conditional Approval

We will conduct a credit profile evaluation that will not leave any imprints in order to find the most suitable lender for your excavator loan and obtain a quick pre-approval. You can shop and enquire with confidence, or if you've already found your asset, we'll initiate the settlement process.

Sign Documents

After we receive confirmation of the settlement, we will thoroughly review your loan terms and repayment options to make sure they meet your needs and preferences. Once the contract is ready, it will be sent to you for your review and signature.

Get Funded

Once the funds are ready to go, we will make sure to contact you and extend our best wishes on your successful purchase. Afterward, you will be able to proceed with collecting your excavator at your convenience.

Excavator finance made easy.

Fast approvals & turnarounds.

Apply online or give us a call to find out if you're eligible for a pre-approval in just minutes. Obtain a formal excavator finance approval within 24 hours. For low doc applications you can receive funds within 48 hours.

Loans from $20K up to $5M.

✔ No-doc & low-doc excavator finance (no financials) up to $500,000
✔ Full-doc excavator finance applications up to $5M
✔ No deposit excavator finance options
✔ Balloon options to reduce payments
✔ Early payout options
✔ Security is only taken on the asset

Credit score protection.

Before your online application is matched with a suitable lender, it undergoes a thorough, soft touch evaluation of over 1,000 lender policies. This evaluation is done without leaving any imprint, ensuring that your credit score remains protected. *Evaluations are covered by us.

No paperwork or wait times.

We'll handle every step required, ensuring a smooth and hassle-free process for you. No need to stress about long waiting times or excessive paperwork from the banks or other organizations.

Tax effective solutions.

At Overdrive, our consultants are dedicated to understanding your unique business needs in order to negotiate tailored solutions that consider your tax obligations, cash flow requirements, and overall business goals.

Low monthly repayments.

You have the advantage of being able to compare competitive excavator finance rates, repayments and flexible loan terms through our extensive network of over 60 trusted Australian banks and non-bank lenders.

Personalised service.

We value our proactive and personalized approach, which is a key component of our service. We understand that every client and application has unique needs and requirements, and we are committed to providing them with the necessary support.

Guidance and support.

We are committed to providing comprehensive support and peace of mind throughout the entire excavator loan process, from start to finish. Our primary focus is ensuring that our clients receive the highest level of service and assistance, both during and after settlement.

Come for rates -
Stay for service.

We are focused on delivering the best rates in the excavator finance industry. We are committed to providing exceptional service and working diligently to help our clients achieve their long-term goals.

Sale & leaseback solution.

Take advantage of our sale & leaseback to raise capital against your current assets! For example, you can borrow the value of your excavator if you own it outright. If your excavator is valued at $50K, you have the option to secure a loan for the same amount using your excavator as security.

Excavator refinancing.

You can refinance your excavator through Overdrive Funding. In the event that you desire a better interest rate on your loan, a balloon refinance, or payment terms, give our specialists a call, and we will handle the rest to get you a better outcome.

Insurance solutions.

When needed, we can assist you in securing excavator insurance. Our network includes reputable excavator insurance providers who can offer expert guidance on insuring your excavator.

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