About OverdraftMe

We built what the banks
refused to be.

OverdraftMe exists because Australian small businesses deserve fast, transparent access to working capital - without the paperwork headaches, without the runaround, and without paying a cent for the service.

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Industry bodyMFAA Member

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Dispute resolutionAFCA Member

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Australian Credit LicenceACL 511092

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HeadquartersDrummoyne, Sydney NSW

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Lenders on panel50+

Our story

Built for Australian SMEs

Too many Australian small businesses are turned away by banks, buried in paperwork, or simply don't know where to start when it comes to accessing working capital. OverdraftMe was created to fix that.

We are a specialist business finance broker - a dedicated arm of Lend & Loan, one of Sydney's most trusted finance brokerages. Our sole focus is connecting Australian SMEs with the right lender for business overdrafts and business loans, quickly and without the confusion.

We do the legwork. We know the lenders, we know their criteria, and we know how to put together a strong application on your behalf. You get the finance you need - we get paid by the lender. There is no cost to you, ever.

50+

Lenders on our panel - more options means a better match for your business

100s

Australians helped secure the finance they needed

Cost to you - we're paid by the lender, not the borrower

$600M+

In finance funded for Australian borrowers

Meet your broker

The person behind your application

When you submit an enquiry with OverdraftMe, John reviews it personally, contacts you directly, and handles your application from start to settlement.

LinkedIn ↗ Lend & Loan ↗

John Pierre Saliba

Director & Senior Finance Broker

John has been in financial services since 2014, starting in financial planning before becoming a licensed mortgage broker in 2016. Over the past decade he built Lend & Loan into one of Sydney's most trusted finance brokerages - helping hundreds of Australians secure home loans, commercial finance, and business lending.

More than $600 million in loans funded across residential, commercial and business lending. OverdraftMe is his specialist SME arm - built specifically to help Australian business owners access fast, flexible business overdrafts and loans without the complexity of dealing with banks directly.

John holds a Bachelor of Business and Commerce, an Advanced Diploma in Financial Planning, and a Diploma of Finance and Mortgage Broking Management. He is an accredited MFAA member, AFCA registered, and holds Australian Credit Licence 511092.

✓ MFAA Accredited ✓ AFCA Member ✓ ACL 511092 ✓ 10+ years in finance ✓ Bachelor of Business & Commerce ✓ Adv. Diploma - Financial Planning ✓ Diploma - Finance & Mortgage Broking

How we work

Our commitments to you

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Transparent from day one

No hidden fees, no surprises. We tell you exactly what to expect before you proceed - including how we get paid.

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Fast without cutting corners

We move quickly because we know cash flow can't wait. But we never rush at the expense of finding you the right deal.

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We work for you

As a broker, our job is to represent your interests - not the lender's. We find the product that fits your business, not the one that pays us the most.

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Fully accredited & compliant

We hold Australian Credit Licence 511092, are MFAA members, and are registered with AFCA. You're in safe, regulated hands.

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Real people, real answers

You'll always speak with an accredited broker - not a chatbot (well, Mia is pretty helpful, but a real broker follows up).

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Free to you, always

Our service costs you nothing. We're paid a commission by the lender upon settlement. Your outcome is our outcome.

Our parent company

Part of the Lend & Loan family

OverdraftMe is a specialist subsidiary of Lend & Loan - a full-service finance brokerage based at Level 35, One International Towers, Barangaroo, Sydney. Lend & Loan has been helping Australians access finance for over 10 years, with a panel of 50+ lenders and a track record spanning hundreds of settled loans.

While OverdraftMe focuses exclusively on business finance, Lend & Loan can assist with the full spectrum of finance needs - from home loans and investment property to car finance, SMSF loans and commercial lending.

Visit lendloan.com.au ↗

Other services from Lend & Loan

Home Loans

Investment Loans

Commercial Loans

Construction Loans

Car & Asset Finance

SMSF Loans

Refinancing

Low Doc Loans

Guarantor Loans

First Home Buyer

Why we exist

The banks kept saying no.
We built an alternative.

John Pierre Saliba spent years watching the same thing happen to Australian business owners. A profitable tradie, a busy café, a growing recruitment agency - all with real revenue, real employees, real futures. And all being turned away by banks who moved too slowly, asked for too much and approved too little.

The non-bank lenders who could help them existed. But the SME owners didn't know how to access them, which lenders suited their situation or how to navigate the application without damaging their credit score by applying to five places at once.

That's the gap OverdraftMe was built to fill. One specialist broker, 50+ lenders, decisions in hours not weeks. The business owner gets the capital they need. The banks don't get the business. Everyone wins except the banks.

Our mission: To be Australia's most trusted specialist business overdraft broker - giving SME owners faster, simpler access to the finance they need to grow.

The OverdraftMe difference

Specialist beats generalist.
Every single time.

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One product. Done right.

We don't do home loans, car loans or equipment finance. Business overdrafts and cash flow finance only. That focus means deeper lender relationships and better outcomes for every client.

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Speed is the product.

Decisions from 1 hour. Same-day funding possible. We know which lenders move fastest for which business profiles - and we use that knowledge every single day.

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Free. Always.

OverdraftMe is paid by the lender on settlement. Not by you. Expert broker advice, 50+ lender comparison and full application management at zero cost to your business.

The broker

You deal with John.
Not a call centre.

John Pierre Saliba

Director, OverdraftMe · ACL 511092

10+ years in Australian finance. Bachelor of Business & Commerce. Advanced Diploma in Financial Planning. Diploma of Finance & Mortgage Broking Management. $600M+ in finance facilitated.

Full profile and career history →

We built what the banksrefused to be.