Western Australia's vast distances demand reliable transport - Perth to Karratha is over 1,500km, and road trains are the lifeblood of the mining and pastoral sectors. With fuel costs, fleet maintenance, tyres and driver wages to cover, cash flow gaps can ground your fleet. OverdraftMe connects you with fast, flexible business overdrafts up to $500K. No tax returns required.
Transport and logistics in WA is capital-intensive. Fuel alone can run tens of thousands per month for a road train fleet, and a single engine rebuild can cost $30K+. When you're waiting 30-60 days for freight invoices to clear, a business overdraft keeps your trucks on the road and your contracts on track.
Diesel is your biggest expense. Draw on your overdraft to cover fuel bills across WA's vast distances - Perth to Port Hedland, Geraldton to Kalgoorlie.
Tyres, engine rebuilds, brake repairs, roadside breakdowns. Cover urgent maintenance costs without waiting for invoices to clear.
Triple and quad road trains servicing mining sites need constant investment. Bridge the gap between delivery and payment.
Pay your drivers on time every fortnight, even when your mining or freight clients are on 45-day payment terms.
6 months of business bank statements, your ABN and a driver's licence. No tax returns, no BAS, no accountant letters required.
We compare across our full panel of 50+ lenders to find the best rate and structure for your transport business.
| Minimum trading time | 6 months |
|---|---|
| Minimum monthly revenue | $6,000/month |
| ABN required | Yes |
| Minimum Equifax score | 550+ |
| Tax returns required | No (under $150K) |
| Property security | Not required under $150K |
| Maximum amount | $500,000 |
| Decision speed | From 1 hour |
Use our calculator. Enter your monthly revenue and how much you need. No credit check at this stage.
Our brokers compare across 50+ lenders and come back to you with the best available option for your transport business.
Once approved, draw on your overdraft as needed. Cover fuel, maintenance, wages and registration costs. Only pay interest on what you use.
Yes - transport and logistics businesses in WA are eligible for business overdrafts provided you have been trading for at least 6 months, have a minimum $6,000/month in revenue, hold a valid ABN and have an Equifax score of 550+. No tax returns are required for amounts under $150K.
Up to $500,000 depending on your monthly revenue and trading history. Transport businesses with consistent freight contracts often qualify for higher limits. Use our borrowing calculator for an instant estimate.
Road train operators, general freight, courier services, heavy haulage, livestock transport, refrigerated transport, mining site logistics, container transport - all transport sub-sectors are eligible.
Decisions can come as fast as 1 hour from submission. Funds can be in your account the same day in many cases - critical when you need to cover a fuel bill or urgent truck repair to keep your fleet on the road.
Yes. OverdraftMe is a credit representative of Lend & Loan Pty Ltd (ACL 511092), an MFAA Member and AFCA Member. We are fully licensed to provide credit assistance to transport businesses across Western Australia.
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