The most common question OverdraftMe receives is some version of "can I actually get approved?" The answer is almost always yes - but the path to approval depends on your specific situation. Short trading history, bad credit, no tax returns, an ATO debt - each of these is manageable with the right lender and the right broker.
This hub covers every approval scenario in detail. Find your situation below and read the dedicated guide - or use our borrowing calculator for an instant estimate based on your monthly revenue.
The short answer: if your business has been trading for 6+ months and turns over $6,000+ per month, you have options. OverdraftMe works with 50+ lenders across the credit spectrum - from prime to specialist - and our job is to find the right one for your profile.
Getting approved with less than 12 months trading
New businesses face the biggest approval challenge. Banks typically want 2+ years. Non-bank lenders will consider 6 months. These guides cover exactly what's possible at each stage of your business.
Getting approved with bad credit or an ATO debt
Bad credit and ATO debts are among the most common situations OverdraftMe deals with. Neither is automatically disqualifying with the right lender. These guides explain exactly what's possible.
Getting approved without full financials
Most non-bank lenders don't need tax returns. Bank statements, ABN and driver's licence is usually all that's required. Here's exactly how low-doc business finance works.
Ready to find out if you're approved?
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