A Western Australian landscaping business turning over about $50,000 a month needed working capital to keep day-to-day operations running smoothly. Their bank wanted full financials and too much paperwork. OverdraftMe arranged a $55,000 unsecured business overdraft through a specialist non-bank lender, with no property as security and approval within 24 hours. The facility let the owner stop juggling cash flow and focus on running the business.
At a glance
| Industry | Landscaping / trades |
|---|---|
| Location | Western Australia |
| Turnover | About $50,000 per month |
| Purpose | Day-to-day working capital |
| Facility type | Unsecured business overdraft |
| Approved limit | $55,000 |
| Security required | None |
| Lender | Specialist non-bank lender |
| Time to approval | 24 hours |
The challenge: getting paid lags paying for the work
Landscaping and trades work runs on a timing gap. You pay for materials, plant hire and wages while a job is underway, then wait to be paid once it is finished and invoiced. On larger or back-to-back jobs, that gap can leave a healthy business short of cash at exactly the wrong moment. This owner was turning over about $50,000 a month and needed a buffer to cover the day-to-day so a slow-paying invoice never stalled the next job.
The bank was willing, but it wanted full financials and a level of paperwork that did not fit a hands-on business owner running jobs every day. The process was slow, and the cash was needed now.
How we solved it
We looked at the real trading picture and matched the business to a specialist non-bank lender comfortable lending unsecured at this profile, without the paperwork burden of a full bank application. Unsecured mattered: the owner did not have to put up the family home or any asset to access the funds.
The result
The lender approved a $55,000 unsecured business overdraft within 24 hours. The owner could draw on it to cover wages and materials whenever cash was tight and repay as customer payments landed, paying interest only on what was used. The day-to-day cash flow worry was gone, and the owner could get back to the business.
What business owners can take from this
- An overdraft is built for the timing gap between paying for a job and being paid for it.
- Trades and landscaping businesses can access unsecured facilities without risking property.
- A bank knock-back or a heavy paperwork ask is not the end of the road.
- Speed is achievable. This facility was approved in a day, not weeks.
Frequently asked questions
Can a landscaping or trades business get an unsecured business overdraft?
Yes. Trades and landscaping businesses use unsecured overdrafts to cover wages, materials and equipment between paying for a job and being paid for it. In this case, a WA landscaping business turning over about $50,000 a month was approved for a $55,000 unsecured facility within 24 hours.
How can a business cover day-to-day cash flow gaps?
A business overdraft is built for day-to-day cash flow. You draw on it to cover wages, materials and other costs when money is tight, then repay as customer payments come in, paying interest only on what you use.
How much can a trades business borrow on an overdraft?
Limits depend on turnover and cash flow. A landscaping business turning over about $50,000 a month was approved for a $55,000 unsecured overdraft. Facilities range widely based on the individual business.
How fast can a business overdraft be approved?
With a non-bank lender and a straightforward application, approval can come within 24 hours, far faster than a typical bank application.
Running a trades or landscaping business and tired of chasing your own cash flow? Tell us about it and we will come back with the facilities that fit. Start here.
This is a real OverdraftMe client outcome, anonymised for privacy. Every business is different, and approval, limits, rates and timeframes depend on individual circumstances.