Business loan specialists in your corner

About Overdrive Business Loans

Commercial Finance Brokers With 30+ Years of Experience

Overdrive Business Loans is an Australian family-owned commercial finance brokerage helping ABN holders, sole traders and businesses secure the funding that keeps their businesses moving and growing.

We specialise in business loans and commercial funding, working with clients across Australia — from a first working-capital loan right through to funding an acquisition or expansion.

Our goal is to build long-term relationships with every client, working with them through every phase of growth.

We know that getting a business loan approved is only part of the job. The real value is knowing which lender to approach, how to structure the funding and how to negotiate a competitive deal from the start, with a rate and terms that are hard to beat anywhere else.

That's what Overdrive Business Loans is built around.

Deal Directly With Our Director

One of the biggest differences at Overdrive Business Loans is who you actually deal with.

Every client works personally with Simon Kendrick, Managing Director. No 1300 numbers, just a direct mobile. From your first conversation and lender negotiations through to approval and settlement, Simon remains involved throughout the entire process.

No call centres. No handovers. No being passed from one broker to another.

Simon has worked across virtually every funding scenario, from straightforward working-capital loans to secured facilities, tax-debt funding, invoice finance, refinancing and credit-impaired applications.

That experience means Simon understands what lenders are looking for, where an application is likely to fit and how to position it properly, helping secure the best possible rate and terms based on your specific needs.

Strong Reputation With 80+ Lenders

Over the years, Simon has developed strong working relationships across banks and commercial lenders and understands how different lenders assess businesses of every size and structure.

We're known for delivering some of the most competitive rates available, and our lender relationships and experience give us the ability to negotiate pricing directly with lenders for better deals.

Rather than simply accepting the first rate offered, we know where to look, who to approach and when there's room to negotiate.

More Lenders. More Options.

Overdrive Business Loans has access to 80+ banks, commercial lenders and specialist funders.

Lending policies can vary significantly between lenders. Your turnover, trading history, documentation, credit profile and whether you can offer security can all influence which lender is best suited to your deal.

Instead of trying to make your application fit one bank's lending criteria, Simon can assess your circumstances across a broad lender panel and identify the lenders best suited to your needs.

We can assist with unsecured and secured loans, lines of credit and overdrafts, invoice and debtor finance, cash-flow and working-capital funding, low-doc and full-doc applications, and refinancing.

The objective isn't simply to get funding approved. It's to structure funding that makes commercial sense for your business.

We Know Business Cash Flow

Business funding isn't one part of what we do. It's what we specialise in.

From a sole trader covering a short-term gap to an established company funding growth, we understand how businesses earn, how they spend and how their cash flow moves across the year.

That includes unsecured and secured business loans, lines of credit, invoice finance, tax-debt funding, commercial property loans and more.

Different industries, business structures and credit histories can all affect how lenders assess an application.

After 3 decades in commercial finance, there aren't many funding scenarios Simon hasn't seen before or hasn't been able to get over the line.

One Broker for the Life of Your Business

Simon doesn't disappear once your funding settles.

Our goal is to build a long-term relationship with every client and work with you through every phase of your business growth.

Because Simon already understands your business, its history and the way you operate, future funding can become much simpler.

Whether you're covering a seasonal gap, funding an expansion, refinancing existing debt or buying a business, you deal with the same person who helped you the first time.

That's what personal service means at Overdrive Business Loans.

Clear Communication. Upfront and transparent.

A low advertised rate doesn't necessarily mean a low-cost deal. The lender, fees, charges and structure can make a significant difference to what the funding really costs.

Every quote clearly sets out the applicable rate along with relevant fees and charges, so you can understand the deal before making a decision.

No confusing rate games. No hidden surprises. Just clear numbers and straightforward business funding.

Business Loans Across Australia

Overdrive Business Loans works with ABN holders, sole traders and businesses throughout NSW, VIC, QLD, WA, SA, TAS, ACT and NT.

Whether you're covering a short-term gap, funding growth or refinancing, you get the same thing: direct access to the Director, real experience, access to 80+ lenders and no handovers.

One experienced broker in your corner, for this facility and every one after it.