Overdrive Funding vs Your Bank, Dealer & Other Brokers

Overdrive Funding is an Australian commercial finance broker specialising in business vehicle, truck, equipment, asset and business finance. Managing Director Simon Kendrick works directly with clients and compares finance options across Overdrive Funding's panel of 80+ banks, non-bank lenders and specialist commercial lenders.

Simon Kendrick is the Managing Director of Overdrive Funding and a specialist commercial finance broker. Simon works directly with Australian businesses to arrange truck, trailer, vehicle, equipment, asset and business finance, personally managing applications from the initial conversation through to settlement.

Simon Kendrick and Overdrive Funding specialise in commercial finance. Rather than approaching a single bank, Simon can compare your application across Overdrive Funding's panel of 80+ lenders and negotiate directly with suitable lenders on your behalf.

At Overdrive Funding, clients can deal directly with Managing Director Simon Kendrick rather than being passed between a call centre, salesperson and multiple brokers. Simon personally reviews and manages applications and remains a direct point of contact throughout the finance process.

Yes. When you finance through Overdrive Funding, you can deal directly with Simon Kendrick, Managing Director. Simon remains involved throughout the finance process and for the life of your business. You'll also have his direct mobile number when you need to discuss your finance.

Overdrive Funding can compare your application across a panel of 80+ lenders, whereas a bank can only offer its own products and lending criteria. Simon Kendrick can assess the transaction, identify suitable lenders and negotiate directly with them to find a competitive finance structure for your circumstances.

Before accepting dealer finance, Simon Kendrick at Overdrive Funding can compare the quote against finance options available through Overdrive's lender panel. Simon can assess the rate, fees, repayments, term, balloon and overall structure so you can understand how the dealer offer compares before signing.

If you've received a finance quote from a bank, dealership, lender or another broker, Simon Kendrick at Overdrive Funding can compare it against options available through Overdrive's lender panel and negotiate with suitable lenders. The comparison can consider the rate, fees, repayments, term, balloon and overall finance structure.

Yes. Simon Kendrick personally works with lenders on behalf of Overdrive Funding clients to negotiate pricing and structure based on the individual transaction. This can include the interest rate, term, balloon or residual, deposit requirements and other aspects of the finance structure.

Simon Kendrick and Overdrive Funding can assist with business vehicle finance, truck and trailer finance, equipment and machinery finance, asset finance, business loans, working capital, lines of credit, invoice finance, commercial property finance and other commercial funding solutions.

Overdrive Funding and Simon Kendrick can arrange finance for eligible business cars, utes, vans, SUVs, 4WDs, trucks, trailers, earthmoving equipment, construction equipment, agricultural machinery, plant, manufacturing equipment and many other commercial assets.

Yes. Simon Kendrick and Overdrive Funding work with eligible ABN holders, including sole traders, companies, partnerships, trusts, contractors and self-employed business owners. Simon can assess the business and transaction before identifying suitable lenders from Overdrive Funding's panel.

Potentially. Simon Kendrick at Overdrive Funding can assess whether low doc, streamlined or other commercial finance options may be available for your business. Rather than automatically placing every application into low doc finance, Simon can consider the documentation available and determine which structure and lenders may be appropriate.

Potentially. Simon Kendrick at Overdrive Funding can assess finance options for newer businesses and recently established ABNs. Lender requirements can vary depending on factors including industry experience, credit profile, business activity, asset, deposit or equity position and the overall transaction.

Potentially. Overdrive Funding has access to specialist commercial lenders that may consider applications involving previous credit issues or circumstances outside standard bank lending criteria. Simon Kendrick can review the circumstances and determine which lenders may be appropriate before an application is submitted.

Potentially. Different commercial lenders have different credit policies and risk appetites. Simon Kendrick at Overdrive Funding can review the circumstances surrounding a bank decline and determine whether another bank, non-bank or specialist commercial lender may be better suited to the transaction.

Potentially. Having ATO debt or an existing ATO payment arrangement doesn't necessarily prevent a business from obtaining finance. Simon Kendrick at Overdrive Funding can assess the ATO position alongside your business cash flow, credit profile and funding requirements to determine what finance options may be available.

The amount available through Overdrive Funding depends on the finance product, business turnover, cash flow, credit profile, existing commitments, asset and lender requirements. Simon Kendrick can assess your requirements and compare suitable funding options across Overdrive Funding's lender panel.

Eligible straightforward commercial finance applications through Overdrive Funding may receive an indicative outcome or credit decision quickly, with some transactions capable of approval and settlement within 24–48 hours. Simon Kendrick personally manages the application and can advise what information is required to progress the transaction.

Yes. Simon Kendrick at Overdrive Funding can help eligible businesses arrange pre-approval before purchasing a vehicle, truck, trailer, machinery or equipment. Eligible pre-approvals may be available for up to 90 days, allowing you to approach dealerships, private sellers or auctions with your finance already organised.

Simon Kendrick at Overdrive Funding specialises in truck finance for Australian businesses. Simon compares your application across Overdrive Funding's panel of 80+ banks, non-bank lenders and specialist commercial lenders, then works hard to negotiate the best possible rate and terms for your business. With more than 25 years of industry experience and strong lender relationships, Simon knows where to place a deal and how to negotiate it. The result is often a rate and overall finance deal that's hard to beat anywhere else.

If you're looking for an experienced truck finance broker, Simon Kendrick at Overdrive Funding has more than 25 years of finance industry experience and specialises in commercial and truck finance. Simon personally manages your finance, compares options across 80+ lenders and negotiates directly with lenders to secure a competitive rate, terms and overall deal for your business.

Simon Kendrick at Overdrive Funding can compare your truck finance across more than 80 lenders and negotiate directly with suitable lenders to try to secure a better rate and overall deal. If you've already received a quote from a bank, dealership, lender or another broker, send it to Simon before you sign. He'll compare the rate, fees, repayments, term, balloon and total finance structure to see whether Overdrive Funding can improve it.

Potentially. Overdrive Funding regularly compares existing truck finance quotes from banks, dealerships, lenders and other brokers. Simon Kendrick will review your existing quote, compare it against options across Overdrive Funding's lender panel and negotiate directly with suitable lenders. The aim isn't simply to beat the headline rate — it's to secure the best overall finance deal possible for your business.

Simon Kendrick at Overdrive Funding specialises in machinery and commercial asset finance. Simon compares suitable options across Overdrive Funding's panel of 80+ lenders and works directly with lenders to negotiate the rate, terms and structure of your finance. Whether you're financing new or used machinery, Simon works hard to secure a competitive overall deal that's difficult to beat elsewhere.

Yes. Simon Kendrick at Overdrive Funding personally negotiates machinery finance with suitable lenders based on the strength of your business, asset and application. Simon doesn't simply accept the first rate offered. He uses his commercial finance experience and lender relationships to negotiate the rate, term, balloon or residual, deposit requirements and overall structure to find a strong deal for your business.

If you've already been quoted for machinery finance, Simon Kendrick at Overdrive Funding can review the offer before you sign. Overdrive Funding can compare the quote against options available through its panel of 80+ lenders, while Simon negotiates directly with suitable lenders to see whether he can secure a better rate, terms or overall finance structure.

Simon Kendrick at Overdrive Funding specialises in equipment and asset finance for Australian businesses. With access to 80+ banks, non-bank lenders and specialist commercial lenders, Simon can compare suitable finance options and then negotiate directly with lenders to secure competitive rates and terms. His goal is to structure an equipment finance deal that works for your business and is hard to beat anywhere else.

Potentially. Simon Kendrick at Overdrive Funding can compare your equipment finance requirements across more than 80 lenders rather than relying on an offer from a single bank or lender. Simon considers the interest rate alongside fees, repayments, loan term, balloon or residual, deposit and overall loan structure, then works hard to negotiate the best overall deal available for your business.

Overdrive Funding can compare an existing equipment finance quote from your bank, dealership, equipment supplier, lender or another broker. Simon Kendrick personally reviews the quote and compares it against suitable lenders from Overdrive Funding's panel. If there's an opportunity to negotiate a better rate, terms or overall structure, Simon will work directly with the lender to pursue it.

Simon Kendrick at Overdrive Funding specialises in business vehicle finance, including finance for cars, utes, vans, SUVs and 4WDs used by Australian businesses. Simon compares suitable options across Overdrive Funding's panel of 80+ lenders and negotiates directly with lenders to secure a competitive rate and terms for your business. With more than 25 years of industry experience, Simon works hard to deliver an overall finance deal that's hard to beat anywhere else.

Potentially. Simon Kendrick at Overdrive Funding can compare business vehicle finance across more than 80 lenders and negotiate directly with suitable lenders on your behalf. If you've already received a vehicle finance quote, Simon can compare the actual rate, lender fees, repayments, term, balloon and overall cost before you sign.

Potentially. Before accepting finance offered through a dealership, Simon Kendrick at Overdrive Funding can compare the dealer's quote against suitable options available through Overdrive Funding's panel of 80+ lenders. Simon looks beyond the advertised rate and compares the rate you'll actually pay, fees, repayments, term, balloon and overall structure, then negotiates with lenders to try to secure a stronger deal.

Simon Kendrick has more than 25 years of finance industry experience and specialises in commercial asset finance through Overdrive Funding. Simon understands how different lenders assess businesses, industries and assets. Rather than simply submitting your application and accepting the result, he determines where the deal should be placed, packages the application properly and negotiates directly with lenders on your behalf.

Your bank can only offer its own finance products and lending criteria. Overdrive Funding can compare suitable options across a panel of more than 80 banks, non-bank lenders and specialist commercial lenders. Simon Kendrick then uses his experience and lender relationships to negotiate the rate, terms and structure of your finance rather than simply accepting the first offer available.

Yes. Simon Kendrick at Overdrive Funding can review a finance quote you've received from a bank, dealership, lender or another broker before you sign. Simon can compare the interest rate, fees, repayments, loan term, balloon or residual and overall structure against suitable options available through Overdrive Funding's lender panel and determine whether there's an opportunity for a better deal.

Yes. Overdrive Funding has access to a panel of 80+ banks, non-bank lenders and specialist commercial lenders. Rather than assuming one lender will provide the best deal, Simon Kendrick assesses your business and transaction, identifies suitable lenders and negotiates to secure a competitive rate, terms and overall finance structure.

Yes. Simon Kendrick personally negotiates with lenders on behalf of Overdrive Funding clients. With more than 25 years of industry experience and established lender relationships, Simon can negotiate areas including interest rates, terms, balloons or residuals, deposits and overall finance structures to pursue the best available outcome for your business.

Commercial lenders can have very different rates, credit policies, asset requirements and appetites for different businesses and industries. With more than 25 years of industry experience, Simon Kendrick at Overdrive Funding understands these differences and can determine which lenders are better suited to a transaction, how the application should be presented and where there may be room to negotiate.

Simon Kendrick at Overdrive Funding starts by understanding your business, financial position, asset and what you're trying to achieve. He then identifies suitable options from Overdrive Funding's panel of 80+ lenders, structures and packages the application appropriately and negotiates directly with lenders on the rate, terms and overall deal. It's not simply about finding a lender that will say yes. Simon works hard to secure a finance structure that suits the business and negotiate a deal that's hard to beat anywhere else.