your long-term partner in asset finance and business lending

As an Australian-owned brokerage with 30+ years of experience, we know great finance starts with structure. Our tailored approach to asset finance and business lending simplifies the process, saves you time, and delivers results built for long-term success.

98%
client success rate - simple approvals and fast funding.
70+
lenders and banks to compare with no impact on credit score.
Zero
in-house fees, hidden cost or upfront credit checks.
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time and money with our competitive rates and premium service.
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Australia's leading Asset Finance and Business Funding provider
Trusted Partners Of

Growing your business, together

Looking for flexible, competitive financing to grow your business or take the leap on your own? At Overdrive Commercial Funding, we offer tailored solutions for trucks, vehicles, equipment, working capital, commercial property and more, supporting Australian businesses with funding from $20,000 to $100 million+

As a family-owned, boutique brokerage, we’re more than just brokers, we’re long-term partners committed to helping you succeed at every stage. Our experienced team understands the challenges business owners face and is here to guide you through every step with transparency and support.
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With competitive rates, affordable repayments and flexible terms, our services are customised to suit your unique requirements. Whether you’re acquiring new assets or managing cash flow, we’ll find the right solution for you. At Overdrive Commercial Funding, all your financing needs are handled in one place, so you’ll never have to look elsewhere.

our director, simon kendrick

When your business needs finance, Simon’s the one you want in your corner. With decades of experience and a background working directly with lenders—he knows exactly how to structure deals that get approved. He takes the time to understand how your business operates and delivers solutions that make sense. No pressure, no sales pitch, just honest advice, smart strategies, and reliable support from start to finish. Simon ensures transparency by always telling you your true effective rate, so you know exactly what you’re paying. Once you’ve dealt with Simon, you won’t waste time with anyone else.

Truck finance

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Trailer finance

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business vehicle finance

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yellow goods finance

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AGRICULTURE FINANCE

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FORESTRY FINANCE

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MINING FINANCE

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EQUIPMENT FINANCE

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BUSINESS AVIATION FINANCE

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COMMERCIAL BOAT FINANCE

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BUSINESS LOANS

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TAX DEBT LOANS

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OVERDRAFT (LINE OF CREDIT)

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DEBTOR (INVOICE) FINANCE

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SALE & LEASEBACK

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COMMERCIAL PROPERTY

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INSURANCE PREMIUM FUNDING

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FRANCHISE FINANCE

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Why choose us?

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

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
We can beat bank, dealer and competitor quotes
Fixed rates, low repayments & flexible terms
Fast and hassle-free approvals
90 day pre-approvals
Credit score protection
Zero paperwork
New or used - no asset age restrictions
Buy from dealerships, private sellers or auctions
Personalised service , every time
Expert and strategic negotiation approach
No wait times, get 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

Get a quick quote!

Access exclusive rates with a FREE QUOTE, no credit impact.
Eligibility requirement: To qualify, you must be an Australian citizen or permanent resident. We are unable to process applications for student visas.
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Finance brokers who work for you.
At Overdrive Commercial Funding, we make business finance simple, transparent, and stress free for those working in construction, transport, and all other profressional industries. Our experienced team handles the entire process from start to finish, from finding the best loan rates and terms to managing all paperwork and keeping you informed every step of the way. We save you time and effort by making sure everything runs smoothly and that you never enter a loan you don’t fully understand. With Overdrive, you can count on clear communication, honest advice, and tailored finance solutions that help your business move forward with confidence.
we work with ABN Holders in all industries
Transportation, construction, farm & agriculture, forestry & logging, engineering, manufacturing, mining & quarrying, hospitality, retail and all other professional services.
Companies
Partnerships
Trusts
Sole traders
Self employed
Tradies
Assisting people Australia wide
New South Wales (NSW) Queensland (QLD), Western Australia (WA), South Australia (SA), Tasmania  (TAS) and Northern Territory (NT) major cities and surrounding areas!
Rate negotiations & communication
We handle all negotiations with lenders to secure the most competitive rates and favorable terms, leveraging our deep industry knowledge and extensive network. Our team works with accountants and vendors to streamline asset acquisition and ensure all documentation is accurate and complete. By overseeing these critical interactions and details, we simplify the financing process, allowing our clients to focus on their business while we manage the complexities and ensure everything runs smoothly.
Our range of services
Overdrive offers a wide range of solutions for businesses and many more.
Chattel mortgage
Operating lease
Finance lease
Novated lease
Rent-to-own
Hire purchase
Asset refinancing
Sale and leaseback
Business loans
Business overdrafts
Business line of credit
Invoice / debtor finance
Franchise financing
Trade finance
ATO debt refinancing
LETS GET STARTED

Our simple process

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/requirement 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 pre-approved, you can shop with confidence for 90 days. If you've found your asset or need a business loan, we'll handle the entire process and manage all the admin.
03
Sign Documents and Get Funded
Once the lender is ready to settle, you'll receive the contract for review and signing. After settlement, you can collect your asset, or if it's a business loan, the funds will be released to your account.
04
On-Going Support
Once your loan is completed, we’ll support you with any related admin, such as payouts, statements, etc.
Get A Free Quote

See how Overdrive delivers more

Fast approvals & turnarounds.

Apply online or call us to check your pre-approval eligibility in minutes. Low doc approvals can be secured within 24 hours, with funding available within 48 hours. Full-doc applications may require additional processing time.

Finance made easy.

✔ Low-doc loans up to $500K
✔ Full-doc loans up to 100M+
✔ No deposit options
✔ Balloon options to reduce monthly payments
✔ Early payout options
✔ No property as security

Credit score protection.

Before matching your application with a suitable lender, it undergoes a thorough, soft-touch evaluation of over 1,000 lender policies, all without impacting your credit score. Unlike other brokers, we cover the cost of these evaluations, making us the better choice.

No paperwork or wait times.

As your finance broker, we take care of all the hard work, ensuring a smooth and hassle-free experience. You won’t have to deal with lengthy delays or excessive paperwork that often come with going directly to banks or other companies. We’ll streamline the process, so you can focus on what truly matters—growing your business.

Tax effective for businesses.

Asset and business finance offers tax benefits by allowing businesses to depreciate assets, spreading their cost over time and reducing taxable income. Interest on loan repayments is also deductible, further lowering taxes. Additionally, businesses may qualify for the instant asset write-off, allowing them to claim the full cost of assets as an immediate tax deduction.

Variety of solutions.

Chattel mortgage, Finance lease, Novated lease, Operating lease, Hire purchase, Rent-to-own, Asset refinance, Sale & buy-back, Invoice financing, Overdraft facility, Working capital, Business loans, Invoice Finance, Overdraft facilities, Tax debt refinance, Commercial property loans, Trade finance and more.

Personalised approach.

We prioritise a proactive and personalised approach, ensuring that every client and application receives the attention it deserves. By understanding each client’s unique needs, we are able to provide the tailored support and guidance they require.

Guidance and support.

With a focus on excellence, we offer extensive support and guidance throughout the entire loan process. Our commitment is to deliver the highest quality of service and assistance, so our clients can have full peace of mind throughout their experience.

Great rates, better service.

We secure the lowest rates tailored to each credit profile through our network of 70 lenders and banks. Our focus is on providing premium service and working diligently to negotiate the best solutions that align with our clients' long-term goals.

Sale & leaseback.

Maximise the value of your assets with our sale and leaseback option. For instance, if you own an asset worth $50K, you can use it as collateral to secure a loan for the same amount, providing you with the capital needed to invest in other areas of your business.

Asset refinancing.

You can refinance your asset with us. If you're looking for a better interest rate, balloon refinance, or inexpensive payment terms, give our specialists a call, and we’ll take care of the rest to secure a better outcome.

Insurance solutions.

Our strong relationships with leading insurance providers allow us to connect you with experienced professionals who will ensure your asset is insured with the right coverage.
Get A Free Quote

We’ve supported thousands of business owners across Australia

Access to 70+ lenders in one place

a word from our director

As the Director, I focus on building long-term relationships with clients, ensuring they have a trusted broker to support their business at every stage with personalised and structured solutions. My clients always have a direct mobile number to reach me, whether they need assistance with asset finance, business loans, or other commercial finance.

I saw a need in the market for a brokerage firm where every team member brings real experience. Larger firms often have staff with little hands-on knowledge or formal qualifications, and I believe clients deserve better. That is why my approach is rooted in decades of working directly in business finance, including years of experience with lenders. I focus on structuring deals that enhance long-term growth, not just quick results.

I take the time to understand how your business operates and tailor financing solutions to your specific requirements, whether you need early payouts, balloon payments, or a custom structure that fits your goals. Transparency is central to how I work. We do not hide fees, and I always provide the true effective rate so you know exactly what you are paying.

Simon Kendrick
Managing Director, Overdrive Commercial Funding