By John Pierre Saliba · April 2026 · OverdraftMe
NAB's QuickBiz product is faster than their traditional overdraft, but it still has strict criteria: 12+ months trading, GST registration, minimum $75K annual turnover, and a clean credit history. Their standard overdraft requires full financials and often property security.
Common reasons NAB says no:
NAB's QuickBiz goes up to $150K unsecured. But if they decline you, non-bank lenders can offer the same amount with lower entry requirements - from 6 months trading and $6K/month revenue.
Through OverdraftMe, you access 50+ non-bank lenders who assess on bank statements alone. No tax returns, no BAS, no financial statements under $150K. Many of our clients come to us after a NAB decline and are funded within 24 hours.
Read our complete guide: bank declined your overdraft
See our recent case studies - $760K+ funded across 8 businesses
2 minutes. No credit impact. No commitment.
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