Australia's Premium Asset And Business Finance Brokerage
Overdrive is Australia's #1 trusted family-owned asset finance and cash flow lending brokerage, with over 30 years of experience delivering tailored finance solutions and personalised service.
- Bank rates without the queue or paperwork
- One application. Multiple lenders. Best deals, guaranteed
- Solutions for all credit profiles and ABN lengths
- Established companies, start-ups, SMEs to owner-operators
- One dedicated broker for the life of your business
- 30+ years supporting business growth with strategic finance
Free No-Obligation Quote
Compare options with 80+ lenders. No credit impact.
Every enquiry lands directly with Simon, Director.
95%
Approval Success Rate
$380M+
Total Volume Funded
24
Hour Decisions
$0
Cost To Use Our Service
Australian Family-Owned & Operated
We Set A Higher Standard In Asset And Business Finance
Overdrive Funding is recognised for setting a higher standard in truck and trailer finance, machinery and equipment finance, business vehicle finance, business loans and commercial lending. Leading with transparency, competitive rates, fast approvals and excellent service, we're known for professionalism, consistency and putting our clients first.
Our business started just like yours. From a small family business to a trusted national brand, our family values have remained at the heart of everything we do. We treat your business like our own, providing honest advice, personalised service and long-term support.
Every client works directly with Simon Kendrick, Managing Director, who brings 25+ years of industry experience and a hands-on approach from application through to settlement and ongoing support. Having worked with established businesses, start-ups and sole traders, Simon has seen virtually every finance scenario and structures each facility to suit the client's goals, cash flow and stage of growth.
From financing a first vehicle or piece of equipment through to expanding fleets, machinery and working capital facilities, we've helped over 10,000 businesses secure funding that supports sustainable, long-term growth as their needs evolve. With more than 20,000+ deals settled, Overdrive Funding has built a reputation as one of Australia's most trusted and transparent finance brokerage firms.
As a family-owned and operated business, we offer a level of service that larger finance companies often can't match. Every client has direct access to a dedicated broker who understands their business, financing history and long-term goals. Unlike larger organisations where staff turnover is common, you'll work with the same broker year after year, ensuring consistent advice and a seamless experience. We also understand that business doesn't always happen during office hours, which is why we're available seven days a week, including after hours, to support our clients when they need us most.
Services
One Stop For All Your Business Funding Needs
We build long-term relationships through trust, transparency and honest communication. You'll always receive clear terms, true effective interest rates and ongoing support, making us your trusted partner for all your business finance needs.
- Lowest rates in Australia
- Approvals within 24-48 hours
- Approvals last for 90 days
- Same day business loans
- Flexible terms and payment plans
- No deposit options
- No additional security required
- Non property owners
- No credit check to apply
- Dealer, private seller or auctions
- New or used - No age restrictions
- Solutions for various credit profiles
Asset Finance
Truck Finance
Finance all types of trucks from prime movers, semi trucks, tippers, concrete trucks, tow trucks, dump trucks, vacuum trucks, pantechs, water trucks, service trucks and more.
Apply NowTrailer Finance
Finance for all types of trailers, from semi-trailers, tippers, car carriers, tilt trays, tankers, refrigerated trailers, curtainsiders, tautliners, livestock, drop decks, beavertails, dollys and more.
Apply NowMachinery Finance
Finance for all types of machines including excavators, dozers, graders, cranes, loaders, skid steers, forklifts, telehandlers, pavers, rollers, compactors and more.
Apply NowEquipment Finance
Finance for all types of equipment, including manufacturing equipment, workshop equipment, forestry equipment, mining equipment, farm equipment and more.
Apply NowBusiness Car & Vehicle Finance
Finance for all business vehicles, including cars, vans, and utes.
Apply NowCoach & Bus Finance
Finance for buses and coaches used for commercial purposes.
Apply NowBusiness Lending
Business Loans
Fast, flexible business loans from $20k to $10m+ for Australian businesses.
Apply NowCash Flow Loans
Short-term cash flow finance to keep your business moving between invoices and payments.
Apply NowInvoice Finance
Invoice finance and debtor finance solutions to unlock cash from unpaid invoices immediately.
Apply NowTax Debt Loans
Fast business finance to pay off ATO tax debt and protect your business from penalties.
Apply NowBusiness Overdraft
Revolving business overdraft and line of credit facilities for ongoing cash flow flexibility.
Apply NowBusiness Line of Credit
Revolving business line of credit facilities for ongoing cash flow flexibility.
Apply Now7-Day Service
Why Thousands Of Businesses Choose Us As Their Trusted Broker
- Free service — we get a referral fee from the lender, not you
- Access to every major bank, lender and private funder in Australia
- No wait times — direct access to Simon, every time
- We can beat bank, dealer and competitor rates
- We protect what matters — your credit score
- Clear and honest terms, no hidden costs
- Established, new and 1-day ABNs welcome
- Solutions for various credit profiles
- Tax benefits via asset depreciation
- Expert and strategic negotiation approach
- A loyal client base built on rates and service
- Support for the lifetime of your business
Industries
We've Supported Businesses Across Every Major Industry
Strengthening operations, navigating challenges, and achieving lasting, sustainable growth.
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.
Retail
Retail businesses rely on finance to manage stock purchases, fit-outs, point-of-sale equipment, working capital, and the seasonal cash flow demands that come with trading cycles.
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.
Food & Beverage
Food and beverage businesses — cafes, restaurants, manufacturers and distributors — rely on finance to fund commercial kitchen equipment, fit-outs, refrigeration, vehicles, and working capital.
Business Services
Business service providers — accountants, consultants, marketing agencies and logistics firms — rely on finance to fund vehicles, equipment, working capital, and growth initiatives.
Disability Services
NDIS and disability service providers rely on finance to fund accessible vehicles, specialist equipment, facility fit-outs, and the working capital required to manage participant care and business growth.
Property Services
Property service businesses including real estate, strata, facilities management and cleaning companies rely on finance for vehicles, equipment, and the working capital needed to service large property portfolios.
Technology Services
Technology businesses — software companies, IT services, MSPs and hardware resellers — rely on finance to fund equipment, infrastructure, vehicles, and the working capital needed to scale operations.
Healthcare
Healthcare businesses including medical practices, allied health, dental and aged care providers rely on finance to fund diagnostic equipment, fit-outs, vehicles, and working capital.
Fitness & Recreation
Gyms, personal trainers, sports facilities and recreation businesses rely on finance to fund equipment purchases, fit-outs, vehicles, and the working capital needed to grow their client base.
Transport & Logistics
Transportation businesses and owner-drivers 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, earthmoving, demolition, concreting, plant and equipment 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.
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 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 you're pre-approved, you can shop confidently for 90 days. If you've found your asset, we'll initiate the process and take care of all the admin.
- 03
Sign Documents and Get Funded
When the lender is prepared to settle, you'll receive the contract for your review and signature. After settlement, it's time to pick up your asset.
- 04
On-Going Support
Once your loan is completed, we'll support you with any related admin, such as payouts, statements, and reviews for your next finance requirement.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
Lending Panel
Access to 80+ Lenders In One Place
Access to Australia's leading commercial lenders lets us compare the market and tailor competitive, flexible finance solutions to each client's unique needs.
