Specialist Commercial Finance Broker.
Family-Owned And Operated.
30+ Years Experience.
Equipment
Finance
Built
For Businesses
Truck Finance | Trailer Finance | Machinery Finance | Equipment Finance | Business Vehicle Loans
Cash Flow Loans | Invoice Finance | Lines Of Credit & Overdrafts | Insurance Premium Funding
Recently Funded
View all →Invoice Finance
Labour Hire · VIC
$250k
Invoice Finance
Prime Mover Fleet (×3)
Transport · QLD
$1.5M
Full Doc
Tipper Trailer
Civil Construction · QLD
$82k
Low Doc
Asphalt Paver
Civil Construction · NSW
$85k
Low Doc
Business Ute
Plumbing · QLD
$150k
Low Doc
Spray Booth
Automotive · VIC
$120k
Low Doc
Unsecured Business Loan
Construction · NSW
$250k
Unsecured Loan
Many deals we settle fall outside standard bank criteria. We find solutions where banks can't.
Bank Rates Without The Queue Or Paperwork
- One application. Major banks and 80+ lenders compared
- Free service, no hidden fees, ever
- 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
- Expert and strategic negotiation approach to every deal
- We compare rates, fees and repayments to find the best deal available
- Available 7 days a week, including evenings and weekends
Business Finance Australia Wide
Get a free no-obligation quote. Zero credit impact.
Every enquiry lands directly with Simon.
Simon Kendrick
Director · Overdrive Commercial Funding
Our Services
One Stop For All Your Business Funding Needs
From truck, vehicle and equipment finance to business loans, invoice finance and commercial property, we compare 80+ lenders across every major asset class and lending category so you get the right facility at the right rate.
Asset Finance
Finance for trucks, trailers, machinery, equipment, vehicles and yellow goods. Low doc options available up to $500,000 — no financials required for eligible applicants.
Truck Finance Australia
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.
Learn MoreTrailer 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.
Learn MoreMachinery Finance
Finance for all types of machines including excavators, dozers, graders, cranes, loaders, skid steers, forklifts, telehandlers, pavers, rollers, compactors and more.
Learn MoreEquipment Finance
Finance for all types of equipment, including manufacturing equipment, workshop equipment, forestry equipment, mining equipment, farm equipment and more.
Learn MoreBusiness Car & Vehicle Finance
Finance for all business vehicles, including cars, vans, and utes.
Learn MoreCoach & Bus Finance
Finance for buses and coaches used for commercial purposes.
Learn MoreBusiness Lending
Unsecured and secured business loans, tax debt solutions, invoice finance, lines of credit, overdraft facilities and commercial property loans tailored to your business's cash flow and growth stage.
Business Loans
Fast, flexible unsecured small business loans for Australian businesses, sole traders, ABN holders and companies.
Learn MoreCash Flow Loans
Short-term cash flow finance to keep your business moving between invoices and payments.
Learn MoreInvoice Finance
Invoice finance and debtor finance solutions to unlock cash from unpaid invoices immediately.
Learn MoreBusiness Line of Credit
Revolving business line of credit facilities for ongoing cash flow flexibility.
Learn MoreInsurance Premium Funding
Spread large annual insurance premiums into affordable monthly instalments for your business.
Learn MoreBusiness & Franchise Purchases
Finance solutions for purchasing an existing business, franchise or goodwill acquisition.
Learn MoreCompare Your Options
Not Every Deal Fits A Bank Template
We specialise in deals outside standard bank lending criteria — from new ABNs and low doc applicants to businesses with credit challenges, unusual assets or complex structures. Here's what we handle that banks typically won't.
New Businesses & ABNs
Finance for startups, new ABNs and businesses with limited trading history, including vehicles, machinery, equipment and cash flow.
Low Doc & No Financials
Low doc, lite doc and full doc finance options, with funding up to $500,000 without financial statements for eligible applicants.
Bad Credit & Credit Challenges
Finance solutions for businesses with defaults, past credit issues or circumstances that fall outside standard bank lending criteria.
No Age Restrictions On Assets
Funding for new and used vehicles, machinery and specialist equipment, including private sales, auctions and unusual assets.
Pre-Approved Finance
Flexible funding limits for multiple asset purchases, fleet expansion and equipment upgrades, with pre-approvals available for up to 90 days so you can shop with confidence.
Fleet Upgrades & Replacements
Replace ageing vehicles and equipment, manage existing finance payouts and structure funding for new fleet purchases.
Refinancing & Debt Restructuring
Review existing loans, access eligible asset equity and explore opportunities to reduce repayments or improve business cash flow.
Complex & Non-Standard Finance
Tailored lending for complex business structures, unusual transactions and funding requirements that traditional banks may decline.
What Matters
Overdrive Funding
Banks
Dealership Finance
Other Finance Brokers
Lender Access
Your Credit Profile
Finance Options
Broker Service Fees
Approval Times
Flexible Lending
Asset Eligibility
Personal Service
After-Hours Support
Ongoing Support
Lender Access
Overdrive Funding
One application. Major banks and 80+ lenders compared.Banks
One lender, their own product onlyDealership Finance
Selected finance partnersOther Finance Brokers
Typically a smaller panel of lendersYour Credit Profile
Overdrive Funding
One soft credit check while we quoteBanks
A hard enquiry on every direct applicationDealership Finance
Hard credit enquiry without rate comparisonOther Finance Brokers
Usually shops you around to multiple lendersFinance Options
Overdrive Funding
We deliver multiple options across low doc, full doc and moreBanks
One product, full financials and paperwork requiredDealership Finance
One rate offered, only available todayOther Finance Brokers
Quotes one rate, tells you it's the best dealBroker Service Fees
Overdrive Funding
Bank rates without the queue or paperworkBanks
Bank fees may applyDealership Finance
Finance fees may applyOther Finance Brokers
Typically charges an additional service fee at settlementApproval Times
Overdrive Funding
Often within 24–48 hours for eligible applicationsBanks
Slow process, typically weeksDealership Finance
Often fast but rate is often non-negotiableOther Finance Brokers
Varies by broker and panelFlexible Lending
Overdrive Funding
New ABNs, low doc and credit challengesBanks
Conservative, minimal policy exceptionsDealership Finance
Subject to lender policyOther Finance Brokers
Depends on lender panelAsset Eligibility
Overdrive Funding
New, used and older equipment up to 25–30 yearsBanks
Asset age restrictions may applyDealership Finance
Limited to dealer stockOther Finance Brokers
Depends on lender accessPersonal Service
Overdrive Funding
Direct access to Simon, the DirectorBanks
No direct numbers, rotating staff and call centresDealership Finance
A salesperson upselling financeOther Finance Brokers
High staff turnover, clients passed between brokersAfter-Hours Support
Overdrive Funding
Available 7 days a week, including evenings and weekendsBanks
Generally business hoursDealership Finance
Dealership trading hoursOther Finance Brokers
Typically no after hours or weekend supportOngoing Support
Overdrive Funding
Assistance before, during and after settlementBanks
Hard to reach with little contact after settlementDealership Finance
Typically none after the saleOther Finance Brokers
Focuses on quick deals and onto the nextIndustries
We've Supported Businesses Across Every Major Industry
Strengthening operations, navigating challenges, and achieving lasting, sustainable growth for established companies, start-ups, SMEs to owner operators.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
What To Expect When Working With Us
A Simple, Stress-Free Finance Process
From your first enquiry to finance approval, settlement and ongoing support, Simon personally manages the entire process. No call centres, no handovers and no unnecessary paperwork.
- 01
Consult, Compare & Choose
Speak directly with Simon about your finance requirements. We'll assess your needs, compare suitable options across major banks and 80+ non-bank lenders, and present competitive rates, flexible terms and repayment options to help you make an informed decision.
- 02
Conditional Approval
We'll assess your eligibility and match your application with suitable lenders. Eligible applicants can secure finance pre-approval valid for up to 90 days, giving you the confidence to shop for your next truck, vehicle, machinery or equipment. Already found your asset? We'll coordinate the application, documentation and approval process.
- 03
Sign Documents & Get Funded
Once your finance receives final approval, we'll coordinate the loan contracts and settlement requirements with the lender and supplier. Simply review and sign your documents, and we'll arrange settlement so you can collect your asset and get back to business.
- 04
Ongoing Support
Our service doesn't end at settlement. Simon remains your dedicated finance broker, assisting with payout figures, loan statements, refinancing, additional asset purchases and future funding requirements. You'll always deal directly with someone who knows your business.
Better rates. Smarter finance. Bigger opportunities.
One purchase or a bigger funding plan — start with a free conversation.
Lending Panel
Access to 80+ Lenders In One Place
Overdrive Commercial Funding is directly accredited with all major banks, commercial non-bank, specialist and private lenders.
