By John Pierre Saliba - Senior Finance Broker - April 2026
If you need a business loan right now, here is exactly what to do. No lengthy explanation, no filler. Just the steps to get funded as fast as possible.
2-minute check. No credit impact. We'll call within 1 hour.
Check eligibility now → Call 02 8046 3933You need five things to get a business loan through a non-bank lender:
That is it. No tax returns. No financial statements. No property. No business plan.
Log into your business internet banking right now and download the last 6 months of statements as PDF. This is the single most important document. Having it ready before you apply saves hours.
Complete our 2-minute eligibility check. No credit check at this stage. No obligation. We just need basic details about your business to match you to the right lender.
John Pierre Saliba calls you within 1 hour. John is a senior finance broker with over 10 years of experience, holding a Bachelor of Business and Commerce, Advanced Diploma in Financial Planning, and Diploma of Finance and Mortgage Broking Management. MFAA accredited, AFCA registered, credit representative of Lend and Loan Pty Ltd (ACL 511092).
John reviews your situation and recommends the right product - overdraft, line of credit, term loan, or working capital loan. You deal with John directly, not a call centre.
John submits your application to the single best lender for your profile. One application, one credit enquiry. Decisions from 1 hour. Same-day funding available for applications submitted before 11am.
| Monthly revenue | Typical approval |
|---|---|
| $6K-$15K | $10K-$25K |
| $15K-$30K | $25K-$50K |
| $30K-$80K | $50K-$150K |
| $80K-$200K | $150K-$300K |
| $200K+ | $300K-$500K |
You can still get funded. Minimum Equifax score is 550 for most non-bank lenders. Bad credit may mean a smaller facility and higher rate, but it does not disqualify you. Over 60% of businesses we approve had imperfect credit. Bad credit business loan guide.
Over 60% of our clients were bank-declined first. A bank decline means the bank said no - it does not mean every lender says no. Non-bank lenders use completely different assessment criteria. Bank declined guide.
Apply before 11am with your bank statements ready. We can usually get a decision by lunch and funds by close of business. Our fastest settlement was under 4 hours. Same-day business loan guide | Emergency business loan guide.
Anything for business purposes: payroll, suppliers, stock, equipment, tax bills, Payday Super from July 2026, growth, emergency expenses, debt consolidation, or replacing expensive credit card surcharges.
Unsecured business loan rates range from 12% to 25% p.a. All interest is tax deductible. At 25% company tax, 18% effectively becomes 13.5%. Full rate comparison | Cost by amount: $20K | $50K | $100K
Yes. OverdraftMe's service costs you nothing. We are paid by the lender on settlement, not by you. There is no cost to enquire, no cost for advice, and no obligation to proceed.