Business Loans Australia
Business Overdraft & Line of Credit
A business overdraft or line of credit gives you a pre-approved pool of funds you can draw on at any time — perfect for managing cash flow, covering expenses and taking advantage of opportunities.
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95%
Approval Success Rate
$380M+
Total Volume Funded
24
Hour Decisions
$0
Cost To Use Our Service
Access Funds When You Need Them — Pay Only For What You Use
A business overdraft or revolving line of credit gives you flexible, ongoing access to funds without having to apply for a new loan each time you need money.
Draw funds when you need them, repay when you can, and only pay interest on the outstanding balance. It's the most flexible form of business finance available.
We compare 80+ lenders to find the right facility size, interest rate and terms for your business — whether you need a $50k overdraft for cash flow management or a $2m+ revolving credit facility.
Low doc facilities are available for eligible businesses, with no property security required and same-day approvals in many cases.
Contact us today to find out how a business overdraft or line of credit could improve your financial flexibility.
Overdraft Solutions
Our Simple Process
Tell Us About Your Business
Speak to Simon about your cash flow needs, how you plan to use the facility and your business financials. We'll identify the right facility size and structure.
Facility Approval
We match you with the right lender and negotiate a facility limit, interest rate and drawdown terms that suit your business.
Access Your Funds
Once your facility is approved and established, you can draw funds at any time up to your approved limit.
Ongoing Flexibility
Repay the balance at your own pace, then draw again when needed. We review your facility regularly to ensure it grows with your business.
Industries
We've Supported Businesses Across Every Major Industry
Strengthening operations, navigating challenges, and achieving lasting, sustainable growth.
Transport & Logistics
Transportation businesses use finance to manage the high cost of trucks, trailers, fuel, maintenance, and day-to-day operations. Funding helps operators purchase or upgrade vehicles, expand fleets, and cover cash flow gaps caused by delayed payments.
Construction & Civil
Construction and earthmoving businesses rely on finance to manage high upfront costs, heavy machinery purchases, equipment upgrades, maintenance, materials, labour, and ongoing project expenses.
Agriculture & Farming
Agriculture and farming businesses rely on finance to manage high upfront costs and seasonal cash flow demands — tractors, harvesters, irrigation systems, livestock, and other essential equipment.
Forestry & Logging
Forestry and arboriculture businesses rely on finance to manage the high cost of specialist equipment, vehicles, and ongoing operational expenses such as harvesters, chippers and stump grinders.
Mining & Quarrying
Mining and quarrying businesses rely on finance due to the high cost of heavy equipment, long project cycles, and significant upfront capital required for extraction and production.
Manufacturing, Woodworking & Mechanical
Manufacturing, woodworking and mechanical businesses rely on finance to manage the cost of machinery, equipment, materials, and ongoing production expenses.
Professional Services
Professional service businesses across IT, medical, dentistry, hospitality and cleaning businesses rely on finance to manage setup costs, vehicle and equipment purchases, and working capital.
Trades
Tradies across building, plumbing, electrical, carpentry and landscaping rely on finance to fund utes and vans, tools, equipment upgrades and the cash flow gaps that come with progress payments.
Can't Be Beaten On Price Or Service
Want the best deal on business overdraft finance? We're known for delivering low rates in all major cities and surrounding regional areas across NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
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