OverdraftMe is a specialist finance broker matching small businesses across Australia with the right lender for unsecured business overdrafts and working capital loans — fast decisions, minimal paperwork, and no cost to you. We get paid by the lender.
As an accredited finance broker, OverdraftMe connects Australian small and medium businesses with a panel of trusted lenders offering unsecured business overdrafts and working capital loans. Whether you need flexible cash flow finance or a lump-sum business loan, we handle the legwork so you can focus on running your business.
A revolving line of credit linked to your business account. Draw down what you need, repay when it suits you, and only pay interest on what you use — not the full limit.
A lump-sum term loan for planned investments — new equipment, fitouts, hiring, or growth. Fixed repayments so you can budget with confidence from day one.
Fill in a short form — takes less than 2 minutes. No credit check at this stage, no commitment required.
Our team reviews your needs and searches our panel of trusted lenders to find the most competitive offer for your situation.
We handle the paperwork and liaise with the lender on your behalf. Most clients receive funds within 24–48 hours of approval.
Not sure if you qualify? Find out in 2 minutes.
See if you qualify →No credit impact. No commitment. Check your eligibility in minutes — we'll find the right lender and working capital solution for your Australian business.
Takes 2 minutes. No credit impact. No commitment.
A business overdraft is a revolving line of credit that gives Australian SMEs access to funds up to an approved limit. Unlike a business loan, you draw funds when you need them and repay as cash flows in. You pay interest only on what you draw — nothing when the facility is unused.
Business overdrafts in Australia are used to bridge payment gaps, cover wages, fund materials before a project payment arrives and manage seasonal revenue dips. With non-bank lenders, approval takes hours — not weeks.
OverdraftMe only does business overdrafts. Not home loans, not car finance — just business overdrafts for Australian SMEs. That focus means deeper lender relationships and better approval rates.
Applying to multiple lenders directly creates multiple credit enquiries — damaging your score with every application. OverdraftMe submits to one lender only — the best one for your profile. One enquiry, best result.
OverdraftMe has settled business overdrafts in under 24 hours. We know which lenders move fastest for which business profiles — and we use that knowledge on every application.
Non-bank lenders assess your application from 6 months of bank statements. No tax returns, no BAS, no financial statements. Your bank account tells the real story of your business.
No call centres. No junior brokers. You deal directly with John Pierre Saliba — specialist broker, $1B+ funded — from first enquiry to settlement.
You pay $0 for our broker service. Not a fee. Not a percentage. Nothing. OverdraftMe is paid a commission by the lender on settlement — just like a mortgage broker. Expert advice, 50+ lenders compared, full application managed. Zero cost to you.
OverdraftMe has settled business overdrafts for Australian SMEs across every industry — from electricians and cafes to recruitment agencies and construction companies. If your business turns over $6,000+ per month and has been trading for 6+ months, we can help.
We serve businesses across Sydney, Melbourne, Brisbane, Perth, Adelaide and nationwide.
Browse all 111 industries →New businesses are welcome. You don't need 2 years of trading. From 6 months with consistent revenue, you have real options. Learn more →
~60% of our approvals involve businesses with managed ATO debts. A formal payment plan is generally acceptable. Learn more →
Non-bank lenders assess from bank statements only. No tax returns, BAS or financial statements at any amount up to $500K. Learn more →
Equifax 550+ is the standard minimum. Some specialist lenders go lower. Bad credit is not an automatic decline. Learn more →
~60% of our clients were previously declined by their bank. A bank decline is not the end of the road. Learn more →
Sole traders are eligible on exactly the same basis as companies. Same criteria, same process, same speed. Learn more →
No tax returns. No property security. Decision in 1 hour.
Free broker service — we're paid by the lender, not you.
See if you qualify →Real anonymised deals — from a $40K business overdraft for a tradie to a $500K facility for a smash repairer. Every deal funded within 48 hours of application.
View all settled transactions →Ready to join them?
Check your eligibility now — no credit check, no commitment.
See if you qualify →Weekly super payments instead of quarterly. A business with $10,000 weekly wages needs $1,150 every week. A business overdraft is the most practical buffer. Arrange yours before July — not after.
Payday Super checklist →A business overdraft is a revolving line of credit that lets your Australian business draw funds up to an approved limit when you need them — and repay as cash flows in. You pay interest only on what you draw, not the full limit. It is the most flexible working capital tool available to Australian SMEs.
Unlike a term loan, there are no fixed repayments, no lump sum obligation and no reapplication required each time you need to draw. Your business overdraft sits in the background — costing very little when unused, and immediately accessible when you need it.
OverdraftMe is Australia's specialist business overdraft broker. We compare 50+ lenders and find the best business overdraft in Australia for your specific situation — no tax returns, no property security under $150K, decisions from 1 hour.
Complete guide to business overdrafts in Australia →OverdraftMe only does business overdrafts. Not home loans, car finance or general business loans. That specialist focus means deeper lender relationships and better outcomes for every Australian SME we work with.
Applying to multiple lenders directly generates multiple credit enquiries — damaging your score. OverdraftMe submits to one lender only — the best match for your profile. One enquiry. Best result.
No tax returns. No profit and loss statements. No BAS required. We assess business overdraft applications from 6 months of bank statements, ABN and driver's licence — and nothing else.
Same-day business finance is possible for qualified Australian businesses. We know which lenders move fastest for which profiles — and we use that knowledge to get you funded as fast as your situation allows.
Approximately 60% of our approved business overdrafts go to businesses previously declined by a bank. An ATO debt, short trading history or imperfect credit does not mean you cannot get approved.
OverdraftMe is paid by the lender on settlement — not by you. Expert business overdraft broker advice, 50+ lender comparison and full application management at zero cost to your Australian business.
OverdraftMe has helped Australian businesses across 111 industries access fast, simple business overdraft finance. Every industry faces different cash flow challenges — we understand them all.
Guides for every situation — bad credit, short trading history, ATO debt, no financials. Find out what's possible for your business.
Read the guide →Interest rates, fees, repayment structures, funding speed and how to use a business overdraft effectively to improve cash flow.
Read the guide →Banks vs non-banks, Prospa vs Moula vs Shift, secured vs unsecured, broker vs direct. Everything you need to make the right decision.
Read the guide →OverdraftMe provides business overdraft broker services to SMEs in Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast and every city in between.
OverdraftMe is a specialist business overdraft and working capital finance broker operating across Australia. Founded by John Pierre Saliba, OverdraftMe is a credit representative of Lend & Loan Pty Ltd (ACL 511092) and is a member of the MFAA and AFCA. We focus exclusively on business overdrafts — not a generalist who occasionally does business finance. When overdrafts are all you do, you get better at them.
Our panel of 50+ lenders includes Australia's leading non-bank business finance providers — Shift, Prospa, Moula, Banjo, GetCapital, Lumi, OnDeck, Judo Bank and many more. We compare all of them simultaneously and submit to the single best option for your business — protecting your credit score in the process.
OverdraftMe has facilitated over $1 billion in business finance for Australian SMEs across 111 industries and every city in Australia. Our broker service is completely free — we are paid by the lender on settlement, never by the business owner.
Book a free 15-minute call with John Pierre Saliba. No obligation, no paperwork — just a straight conversation about your business finance options.
📅 Book a free 15-min call →Or call directly: 02 8046 3933
Eligibility, rates, lenders, how to apply and what Payday Super means for your cash flow in 2026. Written by John Pierre Saliba. Free to download.
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