Overdrive Funding
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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

Rated 5.0 · Trusted by 10k businesses across Australia
80+Banks and Lenders
$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

Nationwide Services

New South Wales (NSW)Victoria (VIC)Queensland (QLD)Western Australia (WA)South Australia (SA)Australian Capital Territory (ACT)Northern Territory (NT)Tasmania (TAS)
SydneyMelbourneBrisbanePerthAdelaideCanberraDarwinHobartAnd Surrounding Areas

Get a free no-obligation quote. Zero credit impact.

Every enquiry lands directly with Simon.

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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 Commercial 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 Commercial 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

From truck 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.

Business 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.

Compare 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.

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.

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.

  1. 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.

  2. 02

    Conditional Approval & Pre-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.

  3. 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.

  4. 04

    Ongoing Support & Future Finance

    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.

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