Trusted partners in asset finance and business funding solutions.

As an Australian-owned brokerage with over 30 years of experience, we know that good finance isn't about speed—it’s about structure. Our smarter, more personalised approach to asset finance and business funding means we simplify the process, manage the complexities on your behalf, and deliver 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.

Save

time and money with our competitive rates and premium service.

explore your options

“Simon was great to deal with, he went out of his way to push through the finance on my truck which we purchased successfully. I'd highly recommend the services of him and his team!"

Martin I.

Growing your business, together.

Looking for flexible, competitive financing to grow your business or start out on your own? Whether you need funding for trucks, vehicles, equipment, or business loans for working capital or invoice financing, we offer a range of competitive solutions to suit your goals. We also provide personal car loans for friends and family, ensuring complete support across both business and personal finance needs.
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We’re not just brokers—we’re long-term partners committed to helping Australians succeed. As a family-owned, boutique Australian brokerage, we bring the experience and insight needed to support businesses at every stage. Whatever your enquiry, we’re here with tailored solutions designed to turn every opportunity into progress.
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Our services are built to support business growth with competitive rates, affordable repayments, and flexible terms. With funding available from $20,000 to $10,000,000, every solution is customised to suit your unique requirements.

Our Director, Simon.

With decades of experience in asset finance, Simon knows what it takes to get deals approved. Having worked for lenders before starting Overdrive, he understands exactly how to present applications that gets results. Simon takes the time to understand your business and find finance options that genuinely work for you – no sales pressure, just honest advice, ongoing support, and long-term relationships built to last for the next 20 years.

We finance it all.

Transport Finance

Trucks, trailers, buses and
engines

Business Vehicle Finance

Cars, vans, UTEs, SUVs and
luxury vehicles

Construction Finance

Construction/earthmoving
machinery and equipment

Forestry & Logging Finance

Forestry machinery and equipment

Mining & Quarry Finance

Mining machinery and equipment

Agriculture Finance

Farming machinery and equipment

Aviation Finance

Commercial planes and
helicopters

Marine Finance

Commercial boats, jetskis and yachts

Machine Finance

Manufacturing, woodworking and metalworking machines

Business Loans

Business loans from $10K to $5M provide funds for growth, operations, wages or marketing, tailored to meet diverse business needs.

Invoice Finance

Invoice finance known as debtor financing is a funding solution where businesses receive cash advances on outstanding invoices to other businesses for completed work or delivered goods.

Business overdraft

A business overdraft is a flexible credit line that lets businesses withdraw beyond their account balance up to a set limit.

Commercial Property Loans

Commercial property loans help businesses and investors purchase or refinance commercial properties, with terms tailored to their specific needs and financial profiles.

Franchise Financing

Franchise finance offers funding to individuals or businesses to purchase or grow a franchise, covering costs like franchise fees, equipment, and working capital. The loans are tailored to meet the specific financial needs of franchise owners.

Trade Finance

Trade finance provides funding to businesses for the import or export of goods, covering costs such as inventory, shipping, and supplier payments. It helps mitigate risks and ensures smooth transactions in international and domestic trade.

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

Why choose us?

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

Access to 65+ banks & non-bank lenders

Competitive rates, repayments & loan terms

Efficient approvals & fast settlements

90 day fixed pre-approvals: Shop with confidence

Credit score protection

Zero paperwork: We do all the hard work

New or used - no asset age restrictions

Purchase from a dealership, private seller or auction

Personalised service tailored to your specific needs

Expert and strategic negotiation approach

No wait times: 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!

^{Complete our simple form to compare options from over 70 lenders—no upfront credit checks and no impact on your credit score. All quotes are obligation-free.}Eligibility requirement: To qualify, you must be an Australian citizen or permanent resident. We are unable to process applications for student visas.

First Name

Last Name

Mobile Number

Business Name / ABN

Time in Business

Finance Amount

Asset / Business Requirement

Are you GST registered?

Defaults or poor credit history?

Property Status

State

Thank you

Thanks for reaching out. We will get back to you soon.

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Finance brokers who handle it all.

Overdrive handles it all, providing comprehensive solutions for every aspect of your financing needs from start to finish. We take care of everything—from sourcing the best rates and terms to managing all the paperwork—while also ensuring clear communication and setting realistic goals to manage client expectations. At Overdrive, we make sure that every client understands the financing process and knows what to expect at each step. Our transparent and proactive approach builds trust and fosters strong relationships, allowing you to focus on your business with confidence while we handle the rest.

ABN Holders

Transportation, construction, farm & agriculture, forestry & logging, engineering, manufacturing, mining & quarrying, hospitality, retail and all other professional services.

Companies

Partnerships

Trusts

Sole traders

Self employed

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

LETS GET STARTED

Our simple loan process.

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 soltuion for you.

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.

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.

On-Going Support

Once your loan is completed, we’ll support you with any related admin, such as payouts, statements, and 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 $300K
✔ Full-doc loans up to 10M+
✔ 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 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.

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.

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