
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
Recently Funded
View all →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
Invoice Finance
Concreting · QLD
$100k
Invoice Finance
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.

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
Asset Finance
Truck Finance
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
Business Loans
Fast, flexible business loans from $20k to $10m+ for Australian businesses.
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 MoreTax Debt Loans
Fast business finance to pay off ATO tax debt and protect your business from penalties.
Learn MoreBusiness Overdraft
Revolving business overdraft and line of credit facilities for ongoing cash flow flexibility.
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 MoreCommercial Property Loans
Commercial mortgage and property finance for business owners purchasing or refinancing commercial property.
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
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.
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.
Recently Funded
Real Deals, Real Businesses
A sample of facilities settled in the past 3 months. Client names withheld for privacy.
$1.50m
Prime Mover Fleet (×3)
Industry
Transport
State
QLD
Facility Type
Full Doc
Turnaround
Approved in 4 days
$82k
Tipper Trailer
Industry
Civil Construction
State
QLD
Facility Type
Low Doc
Turnaround
Same day approval
$85k
Asphalt Paver
Industry
Civil Construction
State
NSW
Facility Type
Low Doc
Turnaround
Approved in 24 hours
$150k
Business Ute
Industry
Plumbing
State
QLD
Facility Type
Low Doc
Turnaround
Same day approval
$128k
Tow Truck
Industry
Transport
State
NSW
Facility Type
Low Doc
Turnaround
Approved in 24 hours
$148k
Low Loader Trailer
Industry
Earthmoving
State
WA
Facility Type
Full Doc
Turnaround
Approved in 3 days
$100k
Invoice Finance
Industry
Concreting
State
QLD
Facility Type
Invoice Finance
Turnaround
Approved in 24 hours
$500k
Business Loan
Industry
Healthcare
State
NSW
Facility Type
Secured
Turnaround
Approved in 24 hours
$95k
Tax Debt Loan
Industry
Construction
State
QLD
Facility Type
Unsecured
Turnaround
Approved in 24 hours
$1.10m
Transport Business Purchase
Industry
Transport
State
QLD
Facility Type
Business Loan
Turnaround
Approved in 10 days
$250k
Business Overdraft
Industry
Retail
State
QLD
Facility Type
Line of Credit
Turnaround
Approved in 48 hours
$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.
- 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.
- 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.
- 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.
- 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.
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.

