By John Pierre Saliba · April 2026 · OverdraftMe
Written and reviewed by John Pierre Saliba, Director and Senior Finance Broker, MFAA Accredited. Last reviewed 17 September 2026.
If you need a business overdraft urgently, OverdraftMe can get you from application to funded in as little as 4 hours. Decisions from 1 hour. Funding same day in many cases, typically within 24 to 48 hours of approval for straightforward applications.
| Stage | Timeline |
|---|---|
| Eligibility check (our form) | 2 minutes |
| Broker call | Within 30 minutes of submission |
| Bank statements submitted | 10 minutes (email or upload) |
| Application submitted to lender | Within 1 hour |
| Lender decision | 1-4 hours (some lenders under 1 hour) |
| Contract signed | Same day |
| Funds in your account | Same day or next business day |
To move at maximum speed, have these ready before you apply:
The #1 cause of delays is bank statements. If you can download your last 6 months as PDF from internet banking before calling us, we can submit within 30 minutes of your first call.
Banks take 2-6 weeks. Other brokers take 2-5 days. We take hours. The reason is simple: we only do business overdrafts, we know exactly which lender will approve your profile, and we submit to one lender only - the right one. No wasted time, no back-and-forth, no unnecessary documentation.
See our case studies - 8 businesses funded $760K+ within 24 hours each.
Decisions from 1 hour. Funding same day in many cases, typically within 24 to 48 hours of approval.
Start my application →