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Overdrive Funding
About
0417 000 316Get Started
Overdrive Commercial Funding — fleet finance

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
Invoice Finance | Lines Of Credit | Insurance Premium Funding | Commercial Property Loans

95%Approval Success Rate
$380M+Total Volume Funded
24-48Hour Approvals
$0Cost To Use Our Service

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 for your business
  • Available 7 days a week, including evenings and weekends

Get a free no-obligation quote today. No impact on credit score.

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Submitting this form does not lock you into finance. No credit check at this point.

Simon Kendrick — Director, Overdrive Commercial Funding

Simon Kendrick

Director · Overdrive Commercial Funding

Australian Family-Owned & Operated

We Set A Higher Standard In Asset Finance And Business Lending

Overdrive Funding is recognised for setting a higher standard in truck and trailer finance, machinery and equipment finance, business vehicle finance, business loans and commercial lending. Leading with transparency, competitive rates, fast approvals and excellent service, we're known for professionalism, consistency and putting our clients first.

Our business started just like yours. From a small family business to a trusted national brand, our family values have remained at the heart of everything we do. We treat your business like our own, providing honest advice, personalised service and long-term support.

Every client works directly with Simon Kendrick, Managing Director, who brings 25+ years of industry experience and a hands-on approach from application through to settlement and ongoing support. Having worked with established businesses, start-ups and sole traders, Simon has seen virtually every finance scenario and structures each facility to suit the client's goals, cash flow and stage of growth.

From financing a first vehicle or piece of equipment through to expanding fleets, machinery and working capital facilities, we've helped over 10,000 businesses secure funding that supports sustainable, long-term growth as their needs evolve. With more than 20,000+ deals settled, Overdrive Funding has built a reputation as one of Australia's most trusted and transparent finance brokerage firms.

As a family-owned and operated business, we offer a level of service that larger finance companies often can't match. Every client has direct access to a dedicated broker who understands their business, financing history and long-term goals. Unlike larger organisations where staff turnover is common, you'll work with the same broker year after year, ensuring consistent advice and a seamless experience.

We also understand that business doesn't always happen during office hours, which is why we're available seven days a week, including after hours, to support our clients when they need us most.

Our Services

One Stop For All Your Business Funding Needs

Business Lending

Compare Your Options

Not every deal fits a bank template

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.

Equipment & Asset Finance

Funding for new and used vehicles, machinery and specialist equipment, including private sales, auctions and unusual assets.

Pre-Approved Finance Facilities

Flexible funding limits for businesses purchasing multiple assets, expanding fleets or planning equipment purchases throughout the year.

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.

Lender Access

Overdrive Funding

One application. Major banks and 80+ lenders compared.

Banks

One lender, their own product only

Dealership Finance

Selected finance partners

Other Finance Brokers

Typically a smaller panel of lenders

Your Credit Profile

Overdrive Funding

One soft credit check while we quote

Banks

A hard enquiry on every direct application

Dealership Finance

Hard credit enquiry without rate comparison

Other Finance Brokers

Usually shops you around to multiple lenders

Finance Options

Overdrive Funding

We deliver multiple options across low doc, full doc and more

Banks

One product, full financials and paperwork required

Dealership Finance

One rate offered, only available today

Other Finance Brokers

Quotes one rate, tells you it's the best deal

Broker Service Fees

Overdrive Funding

Bank rates without the queue or paperwork

Banks

Bank fees may apply

Dealership Finance

Finance fees may apply

Other Finance Brokers

Typically charges an additional service fee at settlement

Approval Times

Overdrive Funding

Often within 24–48 hours for eligible applications

Banks

Slow process, typically weeks

Dealership Finance

Often fast but rate is often non-negotiable

Other Finance Brokers

Varies by broker and panel

Flexible Lending

Overdrive Funding

New ABNs, low doc and credit challenges

Banks

Conservative, minimal policy exceptions

Dealership Finance

Subject to lender policy

Other Finance Brokers

Depends on lender panel

Asset Eligibility

Overdrive Funding

New, used and older equipment up to 25–30 years

Banks

Asset age restrictions may apply

Dealership Finance

Limited to dealer stock

Other Finance Brokers

Depends on lender access

Personal Service

Overdrive Funding

Direct access to Simon, the Director

Banks

No direct numbers, rotating staff and call centres

Dealership Finance

A salesperson upselling finance

Other Finance Brokers

High staff turnover, clients passed between brokers

After-Hours Support

Overdrive Funding

Available 7 days a week, including evenings and weekends

Banks

Generally business hours

Dealership Finance

Dealership trading hours

Other Finance Brokers

Typically no after hours or weekend support

Ongoing Support

Overdrive Funding

Assistance before, during and after settlement

Banks

Hard to reach with little contact after settlement

Dealership Finance

Typically none after the sale

Other Finance Brokers

Focuses on quick deals and onto the next

Industries

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.

Recently Funded

Real Deals, Real Businesses

A sample of facilities settled in the past 3 months. Client names withheld for privacy.

Truck FinanceOctober 2026

$1.50m

Prime Mover Fleet (×3)

Industry

Transport

State

QLD

Facility Type

Full Doc

Turnaround

Approved in 4 days

Trailer FinanceOctober 2026

$82k

Tipper Trailer

Industry

Civil Construction

State

QLD

Facility Type

Low Doc

Turnaround

Same day approval

Machinery FinanceOctober 2026

$85k

Asphalt Paver

Industry

Civil Construction

State

NSW

Facility Type

Low Doc

Turnaround

Approved in 24 hours

Business Vehicle FinanceOctober 2026

$150k

Business Ute

Industry

Plumbing

State

QLD

Facility Type

Low Doc

Turnaround

Same day approval

Truck FinanceOctober 2026

$128k

Tow Truck

Industry

Transport

State

NSW

Facility Type

Low Doc

Turnaround

Approved in 24 hours

Trailer FinanceOctober 2026

$148k

Low Loader Trailer

Industry

Earthmoving

State

WA

Facility Type

Full Doc

Turnaround

Approved in 3 days

Invoice FinanceOctober 2026

$100k

Invoice Finance

Industry

Concreting

State

QLD

Facility Type

Invoice Finance

Turnaround

Approved in 24 hours

Cash Flow LoansOctober 2026

$500k

Business Loan

Industry

Healthcare

State

NSW

Facility Type

Secured

Turnaround

Approved in 24 hours

Tax Debt LoansAugust 2026

$95k

Tax Debt Loan

Industry

Construction

State

QLD

Facility Type

Unsecured

Turnaround

Approved in 24 hours

Business AcquisitionsOctober 2026

$1.10m

Transport Business Purchase

Industry

Transport

State

QLD

Facility Type

Business Loan

Turnaround

Approved in 10 days

Business OverdraftSeptember 2026

$250k

Business Overdraft

Industry

Retail

State

QLD

Facility Type

Line of Credit

Turnaround

Approved in 48 hours

Business LoansSeptember 2026

$250k

Unsecured Business Loan

Industry

Construction

State

NSW

Facility Type

Unsecured Loan

Turnaround

Same-day approval

Reviews

What Our Clients Say

★★★★★ 5.0 / 5 based on our Google reviews

What To Expect When Working With Us

From first call to settlement and post-admin, we handle everything.

  1. 01

    Consult, Offer & Decide Together

    From your first enquiry to finance approval, settlement and ongoing support, Simon handles the entire process so you can focus on running your business.

  2. 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 asset, we'll initiate the process and take care of all the admin.

  3. 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.

  4. 04

    On-Going Support

    Once your loan is completed, we'll support you with any related admin, such as payouts, statements, and reviews for your next finance requirement.

Give your business the finance it deserves.

One purchase or a bigger funding plan — start with a free conversation.

Let's Grow Together

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.

Overdrive Funding lending panel — 80+ lenders including major banks and non-bank lenders