commercial boat finance Australia-wide

We deliver the best boat finance rates in Australia. Whether your business needs one boat or multiple vessels, our tailored solutions are built for long-term business growth, with fast approvals on new or used from any dealer, private seller or auction.

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"Simon and the team at Overdrive are amazing from start to finish communication was great. Don’t look anywhere else just ring Simon he will get you sorted."

Joshua H.

Australia's leading truck, trailer, machinery, equipment and business vehicle finance provider
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want to lock in the lowest rate?

Our reputation for cheap interest rates ensures your business is getting the best deal on boat finance. We help businesses (ABN holders), SMEs, owner-operators (owner-drivers) and large companies invest with confidence
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With access to every commercial lender in Australia and zero service fees, we leverage our relationships to negotiate on your behalf, delivering rates and terms that beat banks, dealers and competitors saving businesses thousands.

Simon, our Director and head broker, works directly with every client, supported by our experienced team for a seamless process. We manage the entire process from application through to settlement, structuring your deal for fast approvals, arranging invoices, assisting with any post-settlement admin, and always answering our phones to keep you updated or answer any questions you may have 24/7.

We're family-owned and operated with over 30 years supporting Australian businesses, we pride ourselves on honesty and transparency. We’ll educate you about your loan so there are no surprises or hidden fees and, and ensure you get the most competitive rate for every purchase, supporting your business growth for the long haul. With us, there's no reason to go anywhere else for future needs.

Get a free quote to access the lowest rates and repayments on commercial boat loans and get pre-approved today. We’ve assisted thousands of businesses grow from owning a single boat to managing multiple vessels and we’re here to help you do the same.
speak with simon

can't be beaten on price or service

Looking for cheap rates on boat loans in Sydney, Melbourne, Perth, Brisbane, Gold Coast, Adelaide, Canberra or Darwin? Get approved today by contacting Simon on 0417000316 or apply online using our simple form below.

If you’re starting a new business and need boat finance, or growing your current fleet, we provide custom solutions with options like chattel mortgages, finance leases, and commercial hire purchase to support your growth.

your boat loan broker

We have finance solutions at low rates for commercial boats including jet skis, fishing boats, charter boats and tug boats.

Whether you're buying your first, upgrading, or purchasing multiple assets, we’ve got you covered. We arrange financing for both new and used boats from dealerships, private sellers, or auctions.

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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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
Access to every lender and private funder in Australia
30+ years experience and industry knowledge
Australian family-owned and operated
We save every client time and money
No wait times, direct access to Simon every time
We can beat bank, dealer and competitor quotes
Fixed rates, low repayments & flexible terms
We protect what matters—your credit score
We build trust by being honest and transparent
Established, new and 1 day ABNs
Expert and strategic negotiation approach
Solutions for various credit profiles
Tax benefits (asset depreciation)
Built a loyal client base due to our rates & service
Support for the lifetime of your business

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 soltuion 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 boat, 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, etc.
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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 boat loans
✔ Full-doc boat loans
✔ No deposit boat loans
✔ 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 companies, 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 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, 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.

Boat refinancing.

You can refinance your boat 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 boat is insured with the right coverage.
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We’ve supported thousands of business owners across Australia

Access to 70+ lenders in one place