OverdraftMe is a specialist business loan broker for Australian SMEs. We compare 50+ lenders across business loans, overdrafts and lines of credit - no tax returns, no property security under $150K. Free broker service. ACL 511092.
Get a free quote - 60 seconds →OverdraftMe is a specialist business loan broker serving Australian SMEs - over $700 million in business finance facilitated, every settled facility unsecured. Unlike generalist mortgage brokers who treat commercial finance as a side line, we work only in business lending: term loans, overdrafts, lines of credit and working capital. That focus means deeper lender relationships, faster approvals and a facility matched to how your business actually trades.
We work with businesses in every Australian state and territory, from sole traders to established companies across construction, hospitality, professional services, retail, healthcare and trades.
A business loan broker sits between you and the lending market. Instead of you applying to one bank, being assessed against one credit policy and wearing a credit enquiry if it goes wrong, a broker assesses your profile against 50+ lender policies first, then submits one application to the lender most likely to approve. One application, one enquiry, best available terms.
Whether you are in Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra or regional Australia, the process is the same and fully remote - most clients never need a meeting.
| Criteria | Requirement |
|---|---|
| Trading history | 6+ months ABN for business loans |
| Monthly revenue | $6,000+ per month |
| Credit score | Equifax 550+, assessed case by case |
| Documents | 6 months bank statements, ABN, driver's licence |
| Property security | Not required under $150K |
| Tax returns | Not required under $150K |
| Facility size | $10,000 to $500,000 |
| Indicative rates | From 14.55% p.a. through the OverdraftMe panel |
Rates are indicative only, subject to change and depend on your business profile, the lender and the facility. Every application is assessed case by case.
OverdraftMe has settled unsecured overdrafts from $25,000 to $500,000, approved and funded in as little as 24 hours. See the settlement data and our results →
No tax returns under $150K · No property security under $150K · Decisions from 1 hour · Up to $500K · ACL 511092
Get a free quote →A business loan broker compares multiple lenders to find the loan facility that fits your business, then manages the application through to settlement. OverdraftMe is a specialist business finance broker covering business loans, overdrafts, lines of credit and working capital finance across Australia.
Nothing. OverdraftMe's broker service is free to the business. The lender pays the commission on settlement, and there is no cost to you at any stage of the process.
A broker compares 50+ lenders with one application and one credit enquiry, then submits to the lender most likely to approve your profile. Going direct means one bank's policy, and another enquiry on your credit file every time you are declined. Enquiries stay on your file for 5 years.
Decisions from 1 hour through non-bank lenders on the OverdraftMe panel. Funding same day in many cases, typically within 24 to 48 hours of approval.
6 months of business bank statements, your ABN and a driver's licence. No tax returns, BAS or financial statements are required under $150,000.
Often, yes. Non-bank lenders on the OverdraftMe panel accept Equifax scores from 550, assessed case by case. A broker matches you to the lender whose policy fits your profile instead of risking repeat declines on your credit file.