Business Overdrafts
Flexible cash flow support to keep your business moving – when and where it counts.
Good finance is good for business
A business overdraft isn’t just a backup plan—it’s a smart way to manage the day-to-day ups and downs of running a business. Whether it’s covering a shortfall, waiting on late invoices, or seizing a time-sensitive opportunity, an overdraft facility gives you flexible access to extra funds when you need them most.
What Is a business overdraft?
A business overdraft is a credit facility attached to your business transaction account, allowing you to draw beyond your available balance up to a pre-approved limit. You only pay interest on the amount used, not the total limit—making it a cost-effective safety net for managing unexpected expenses or temporary cash flow gaps.
When to use a business overdraft
Business overdrafts are ideal for:
- Covering short-term cash flow shortages
- Managing seasonal fluctuations in income
- Paying wages or bills before income hits your account
- Purchasing stock or supplies ahead of incoming revenue
- Cushioning your business against payment delays
- Taking advantage of time-sensitive discounts or bulk buys
Benefits of a business overdraft
- Only pay interest on what you use
- No need to reapply—revolving facility stays in place
- Flexible repayment structure
- Access funds instantly through your business account
- Can be unsecured or secured, depending on your business
- Improves liquidity without locking you into a fixed loan
Our process – simple, fast & strategic
Quick application
Get started with a fast online or phone enquiry
Same-day decision
We’ll review your eligibility and provide a quick answer
Facility approval
Choose your limit and repayment preferences
Access funds anytime
Funds become available in your business account instantly
Things to consider
- Interest is charged daily on the overdrawn amount
- Limits are subject to business income and risk assessment
- Fees may apply for facility setup or exceeding your limit
- Unused overdraft amounts still require annual review
It’s important to align your overdraft facility with your business’ cash flow patterns, income cycles, and long-term financial strategy. Our team can guide you through what works best for your goals and risk profile.
Latest news
Why a Middle East oil decision could matter for your petrol, groceries, and mortgage
Discover why the UAE leaving OPEC could matter for Australians, from fuel prices and grocery costs to inflation and home loan repayments, and why any relief at the petrol pump may not happen straight away...








