OverdraftMe
Business Overdraft Broker Melbourne - Specialist Business Overdraft Broker
OverdraftMe is a specialist business overdraft broker serving Melbourne SMEs. Fast approval, no tax returns, up to $500K. Free broker service. ACL 511092.
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✓ ACL 511092✓ MFAA Member✓ No tax returns✓ Decisions from 1 hour✓ Free broker service
OverdraftMe is Australia's specialist business overdraft broker, serving Melbourne SMEs who need fast access to working capital. We work exclusively with business overdrafts and cash flow finance - not home loans, not car finance, not general business loans. Just business overdrafts, done right.
Business Overdraft Finance for Melbourne SMEs
Melbourne businesses across construction, hospitality, professional services, manufacturing and retail use OverdraftMe to access business overdraft facilities faster than any bank can move. From Footscray, Dandenong, Richmond, South Yarra, Box Hill and the CBD, we work with SMEs across all of VIC.
What Sets OverdraftMe Apart From Other Melbourne Finance Brokers
- Specialist, not generalist - we only do business overdrafts. That focus means deeper lender relationships and better outcomes.
- 50+ lenders on panel - we compare the full market and submit to the single best lender for your profile
- No tax returns required - 6 months of bank statements, ABN and driver's licence is all you need
- Decisions from 1 hour - same-day funding possible for qualified Melbourne businesses
- Free broker service - paid by the lender, not by you
- Protect your credit score - one application, one enquiry, best result
Who We Help in Melbourne
OverdraftMe works with Melbourne businesses across every industry. Common situations we solve:
- Cash flow gaps between invoicing and payment
- Materials and wages before a large project payment arrives
- Seasonal revenue dips - hospitality in winter, construction in wet periods
- ATO obligations - especially with Payday Super changes from July 2026
- Unexpected expenses or opportunities that need immediate funding
- Businesses declined by their bank looking for a fast alternative
Eligibility for Melbourne Business Owners
| Criteria | Requirement |
|---|
| Trading history | 6+ months |
| Monthly revenue | $6,000+ per month |
| Credit score | Equifax 550+ |
| Documents | 6 months bank statements, ABN, driver's licence |
| Property security | Not required under $150K |
| Tax returns | Not required |
| Maximum facility | Up to $500,000 |
How the Process Works
- Submit your details - takes 60 seconds using our calculator
- We assess your profile - across 50+ lenders simultaneously
- We recommend the best option - one lender, best rate, highest approval probability
- Application submitted - we handle everything
- Decision returned - as fast as 1 hour
- Funds in your account - same business day in many cases
OverdraftMe has settled business overdrafts for Melbourne businesses from $40,000 to $500,000 - approved and funded in as little as 24 hours. See our results →
Get a business overdraft in Melbourne - free broker service
No tax returns · No property security under $150K · Decisions from 1 hour · Up to $500K · ACL 511092
Get a free quote →
JP
John Pierre Saliba
Director, OverdraftMe | Credit Representative ACL 511092
Specialist business finance broker with over $600 million in finance facilitated for Australian SMEs. MFAA Member. AFCA Member.
Full profile →MFAA MemberAFCA MemberACL 511092$600M+ Funded