This is first-hand settlement data from OverdraftMe, an Australian specialist business overdraft brokerage. It covers real unsecured business overdraft and business loan facilities settled for small businesses in 2026. Every facility was unsecured, facilities ranged from $12,762 to $500,000, were typically sized at around one month of business turnover, and were typically approved within 24 hours. The data is published so business owners, journalists and researchers can cite real Australian figures rather than estimates.
What this data is
OverdraftMe is a brand of Lend & Loan Pty Ltd (Australian Credit Licence 511092), an MFAA and AFCA member, with access to a panel of more than 50 lenders. The figures below are drawn from real facilities the OverdraftMe team has settled for Australian businesses. Client identities are anonymised; the industry, state, facility amount, turnover, security position, documents assessed and time to approval are real. Coverage spans New South Wales, Queensland, Victoria and Western Australia and 21 industries.
Settled facilities
Each row below is a real settled facility. These are the same outcomes detailed on the results page and in the full case studies.
| Month | Industry | Location | Monthly turnover | Product | Facility | Security | Documents | Funding time |
|---|---|---|---|---|---|---|---|---|
| Oct 2026 | Childcare centre | Fairfield, NSW | - | Overdraft | $300,000 | Unsecured | bank statements only (6 months) | - |
| Oct 2026 | Childcare centre | Lake Cathie, NSW | - | Business loan | $200,000 | Unsecured | bank statements only (6 months) | - |
| Oct 2026 | Locksmith group | NSW | - | Overdraft | $200,000 | Unsecured | bank statements only (6 months) | - |
| Oct 2026 | Childcare centre | Boambee, NSW | - | Overdraft | $150,000 | Unsecured | bank statements only (6 months) | - |
| Oct 2026 | Real estate agency | NSW | - | Overdraft | $100,000 | Unsecured | bank statements only (6 months) | 24-48 hours |
| Oct 2026 | Cafe | NSW | - | Overdraft | $100,000 | Unsecured | bank statements only (6 months) | 24-48 hours |
| Oct 2026 | Traffic control | VIC | - | Overdraft | $75,000 | Unsecured | bank statements only (6 months) | 24-48 hours |
| Oct 2026 | Landscaping | WA | - | Overdraft | $50,000 | Unsecured | bank statements only (6 months) | 24-48 hours |
| Oct 2026 | Traffic data services | WA | - | Business loan | $35,000 | Unsecured | bank statements only (6 months) | - |
| Oct 2026 | Plumber | NSW | - | Overdraft | $30,000 | Unsecured | bank statements only (6 months) | 24-48 hours |
| Oct 2026 | Property manager | QLD | - | Overdraft | $28,000 | Unsecured | bank statements only (6 months) | 24-48 hours |
| Oct 2026 | Car retail | NSW | - | Overdraft | $27,500 | Unsecured | bank statements only (6 months) | 24-48 hours |
| Oct 2026 | Home improvements | QLD | - | Overdraft | $15,000 | Unsecured | - | 24 hours |
| Oct 2026 | Transport | VIC | - | Business loan | $12,762 | Unsecured | - | - |
| Sep 2026 | Civil earthworks | QLD | over $1,000,000/month | Overdraft | $250,000 | Unsecured | bank statements only (6 months) | next business day |
| Sep 2026 | IT services | Sydney, NSW | - | Overdraft | $50,000 | Unsecured | bank statements only (6 months) | 24 hours |
| Sep 2026 | Carpenter | QLD | - | Overdraft | $35,000 | Unsecured | bank statements only (6 months) | 24 hours |
| - | Smash repair | NSW | - | Overdraft | $500,000 | Unsecured | - | 48 hours |
| - | Recruitment agency | NSW | - | Overdraft | $275,000 | Unsecured | - | 24 hours |
| - | E-commerce | NSW | - | Overdraft | $150,000 | Unsecured | - | 24 hours |
| - | Finance broker | NSW | - | Overdraft | $91,000 | Unsecured | - | 24 hours |
| - | Construction | NSW | - | Overdraft | $60,000 | Unsecured | - | 24 hours |
| - | Electrical contractor | NSW | - | Overdraft | $55,000 | Unsecured | - | 24 hours |
| - | Landscaping | WA | - | Overdraft | $55,000 | Unsecured | - | 24 hours |
| - | Hospitality | NSW | - | Overdraft | $50,000 | Unsecured | - | 24 hours |
| - | Landscaping | NSW | - | Overdraft | $40,000 | Unsecured | - | 24 hours |
| - | Manufacturing | NSW | - | Overdraft | $31,000 | Unsecured | - | 24 hours |
| - | Retail | VIC | - | Overdraft | $25,000 | Unsecured | - | 24 hours |
Methodology and definitions
Updated October 2026
- Sample: 23 settled facilities, published as anonymised examples. This is a selection of settlements arranged by OverdraftMe, not a complete record of all settlements, and declined applications are excluded.
- Time to approval: measured from a complete application (bank statements, ABN and ID received) to the lender returning a decision. Funding typically lands within 24 to 48 hours after approval.
- Security: every facility shown settled with no property or asset security.
- Not market data: these figures describe OverdraftMe settlements only and are not representative of the wider Australian lending market.
Key findings
- Every facility settled was unsecured. No business had to provide property or other collateral. Facilities were assessed on business cash flow.
- Facilities ranged from $12,762 to $500,000. Overdrafts ranged from $25,000 to $500,000; most small business facilities sat between $25,000 and $150,000.
- Facilities were typically sized at around one month of business turnover. Some businesses were approved for more, depending on cash flow strength.
- Approvals were typically issued within 24 hours. Smaller facilities were assessed on bank statements rather than full financials, which is what makes 24-hour turnaround possible.
- Broking was free to the borrower. There was no cost to the business for arranging the facility.
- Indicative rates started from 14.55% per annum, varying by lender, credit assessment and business profile. Rates are subject to change.
OverdraftMe (2026). Business Overdraft Settlement Data 2026. Available at: https://www.overdraftme.com.au/business-overdraft-settlement-data. Published under CC BY 4.0 - free to quote with attribution to OverdraftMe.
Frequently asked questions
How large are unsecured business overdrafts in Australia?
Based on OverdraftMe settlement data for 2026, unsecured business overdraft facilities ranged from $25,000 to $500,000. Facilities were typically sized at around one month of business turnover, though some businesses were approved for more.
How fast can an unsecured business overdraft be approved?
OverdraftMe settlement data for 2026 shows facilities were typically approved within 24 hours. Approval is faster than a bank because smaller facilities are assessed on bank statements rather than full financials.
Do unsecured business overdrafts require property security?
No. Every facility in the OverdraftMe 2026 settlement data was unsecured. None required property or other collateral. They were assessed on business cash flow.
What does it cost to use a broker for a business overdraft?
OverdraftMe's broking service is free to the borrower. There is no cost to the business for arranging the facility.
What industries use unsecured business overdrafts?
OverdraftMe 2026 settlement data covers manufacturing, hospitality, cafes, retail, car retail, e-commerce, landscaping, construction, carpentry, civil earthworks, plumbing, IT services, real estate, property management, recruitment, traffic control, transport, home improvements, electrical contracting, finance broking and smash repair, across NSW, QLD, VIC and WA.
Want to see if your business qualifies for an unsecured overdraft? Tell us about your business and we will come back with the facilities that fit. Get a free quote.
Figures are drawn from real OverdraftMe client outcomes, anonymised for privacy. Every business is different, and approval, limits, rates and timeframes depend on individual circumstances. General information only, not financial advice.
