How much can I borrow for a business loan?

Business loan amounts typically range from $20,000 to $5 million or more, depending on the lender, loan type and your business financials. Unsecured loans up to $500k are available for eligible businesses.

What is an unsecured business loan?

An unsecured business loan doesn't require property or assets as security. Approval is based on business revenue, cash flow and credit profile. These are faster to approve but may carry slightly higher rates than secured options.

How fast can I get a business loan?

Same-day and next-day business loan funding is available for eligible businesses. We work with lenders who can approve and settle within hours for urgent cash flow requirements.

Can I get a business loan with bad credit?

Yes. We work with specialist lenders who consider businesses with adverse credit history. Options include secured and unsecured loans with flexible criteria. Contact us to discuss your situation confidentially.

What can I use a business loan for?

Business loans can be used for working capital, stock purchases, equipment, staff wages, marketing, tax obligations, expansion costs, bridging cash flow gaps and more. Most lenders do not restrict the use of funds.

What is the difference between a secured and unsecured business loan?

A secured business loan requires assets such as property, equipment or receivables as collateral — this typically results in lower interest rates and higher borrowing limits. An unsecured business loan is approved based on cash flow, revenue and credit profile, with no collateral required, but rates are usually slightly higher.

Can I get a business loan for a startup or new business?

Yes, subject to lender criteria. Some lenders offer startup and early-stage business loans based on the director's personal credit profile, industry experience, or the strength of contracts and purchase orders in hand. Contact us to discuss what's available for your specific situation.

What is a business line of credit?

A business line of credit gives you access to a pre-approved amount of funds that you can draw on as needed and repay over time. Interest is charged only on the amount drawn, not the full limit — making it a flexible tool for managing cash flow, unexpected costs or short-term working capital needs.

Lowest Rates in Australia

Trusted by 10,000+ Businesses

Business Purchase And Franchise Finance Australia

Business & Franchise Purchases

Name: Overdrive Funding
Address: 54 Miller St, North Sydney, NSW, 2060, AU
Telephone: +61417000316
Price range: Free
Rating: 5

Looking to buy a business or franchise? Access flexible business purchase and franchise finance solutions with competitive rates, fast approvals, and expert support.

0417 000 316

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Business Purchase Finance Made Easy

Secure Funding to Buy a Business or Franchise

Looking to purchase an existing business or invest in a franchise opportunity? Our business purchase and franchise finance solutions help entrepreneurs, investors, and business owners access the funding needed to acquire established businesses and proven franchise models.

Whether you're buying your first business, expanding your portfolio, or investing in a recognised franchise brand, we can help you secure the right finance solution to achieve your goals.

What is Business Purchase & Franchise Finance?

Business purchase finance provides funding to acquire an existing business, while franchise finance helps cover the costs associated with purchasing and establishing a franchise.

These finance solutions can be used for:

Buying an existing business

Purchasing a franchise

Franchise setup costs

Business acquisition funding

Equipment and asset purchases

Working capital requirements

Expansion through additional franchise locations

What Can Franchise & Business Purchase Finance Be Used For?

We help fund all types of business and franchise acquisitions:

Purchasing an established business
Buying a new franchise
Expanding an existing franchise network
Acquiring a transport, logistics, or freight business
Purchasing a construction company or contracting business
Funding business takeovers and succession purchases
Buying a competitor to expand market share
Funding franchise fit-outs and equipment
Covering franchise fees and setup costs
Providing working capital for day-to-day operations
Financing stock, inventory, vehicles, plant, and business assets
Supporting business growth and expansion plans

Who Can Benefit?

Whether you're purchasing a café franchise, acquiring a transport company, taking over a construction business, or expanding through acquisition, we can help you access a finance solution tailored to your goals and business requirements.

First-time business buyers
Franchise operators
Multi-site franchise owners
Transport and logistics operators
Construction and civil contracting businesses
Trades and service-based businesses
Hospitality businesses and cafés
Retail store operators
Professional service businesses
Existing business owners looking to expand through acquisition
Buyers looking to take over an established business
Investors acquiring profitable businesses

Our Simple Process

01
Tell Us About The Opportunity
Share details about the business or franchise you're looking to purchase, including the asking price and any assets included. We'll identify the right funding approach.
02
We Structure Your Finance
We work across our panel of lenders to find funding that covers the purchase price, assets, and setup costs — structured to support your entry into ownership.
03
Approval & Documentation
We manage the application and liaise with the lender to keep the process moving efficiently alongside your legal and due diligence timeline.
04
Settlement & Ongoing Support
Once settled, we remain your finance partner for any additional working capital, equipment, or growth funding needs as your new business scales.

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Industries

How Every Industry Uses Business & Franchise Finance

Whether you are buying an existing operation, acquiring a competitor, or purchasing a franchise, business purchase finance funds the acquisition without draining your working capital.

Transport & Logistics

Transport and logistics is one of Australia's most active sectors for business acquisitions — owner-operators buying competitor routes, fleet businesses, freight brokerages and depot operations. Business purchase finance lets you acquire an established transport operation with immediate revenue and an existing customer base, rather than building a fleet from scratch.

Construction & Civil

Construction businesses are frequently bought and sold — civil contractors, earthmoving companies, demolition firms and project builders all change hands. Acquisition finance lets you purchase an established contracting business complete with licences, plant, staff and client relationships, funding the purchase over terms aligned to contract revenue.

Agriculture & Farming

Farm businesses, agribusiness operations, irrigation and produce supply companies regularly come to market. Business purchase finance lets agricultural buyers acquire an established operation with land, infrastructure and supply agreements already in place, with loan structures designed around seasonal income rather than standard monthly repayment terms.

Forestry & Logging

Forestry contracting businesses, arboriculture operations and timber supply businesses are niche acquisitions that specialist lenders understand. Purchase finance covers goodwill, plant, equipment and working capital in a single facility — so you can take ownership of an established operation without depleting the cash reserves you need to keep it running from day one.

Mining & Quarrying

Mining services, drilling contractors and equipment hire businesses are high-value acquisitions that require structured finance. Business purchase loans fund the acquisition of established mining service companies — covering goodwill, plant, contracts and workforce — with terms structured around contract revenue rather than standard amortisation schedules.

Manufacturing, Woodworking & Mechanical

Manufacturing businesses — from food production to metal fabrication — are active acquisition targets with strong asset backing. Business purchase finance covers the full acquisition cost including plant, IP, goodwill and stock, allowing buyers to step into an operating business with existing customers, machinery and trained staff rather than starting from zero.

Professional Services

Accounting practices, law firms, dental offices, allied health clinics, fast food franchises and coffee shop chains are among the most commonly financed business acquisitions in Australia. Franchise purchases — from McDonald's and Subway to Gloria Jean's and The Coffee Club — are viewed favourably by lenders due to proven systems and brand backing. Whether it's a professional practice or a food and beverage franchise, acquisition finance is structured around the business's existing cash flow and client or customer base.

Trades

Established plumbing, electrical, HVAC and building businesses are regularly acquired by tradespeople looking to scale. Business purchase finance lets tradies buy an existing operation with staff, vehicles, tools and customers already in place — avoiding the years it takes to build the same turnover organically and funding the acquisition against the business's own cash flow.

Can't Be Beaten On Price Or Service

Looking for the best deal on business purchase or franchise finance? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.

Sydney

Melbourne

Perth

Brisbane

Gold Coast

Adelaide

Canberra

Darwin

Tasmania

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