As a consulting firm, you know the pressure of project-based revenue with slow client payment terms and proposal costs. OverdraftMe connects you with fast, flexible business overdrafts - up to $500K, no tax returns, free broker service.
A business overdraft lets you fund proposal development, cover wages and bridge slow client payment cycles. Draw what you need, when you need it - and only pay interest on what you use.
Decisions as fast as 1 hour. Funds in your account the same day in many cases. No waiting weeks for bank approval.
OverdraftMe is paid by the lender - not you. Expert broker comparison at zero cost to your business.
6 months of business bank statements, your ABN and a driver's licence. That's it - no tax returns, BAS or financial statements for facilities under $150,000.
Borrow up to $150K with no property security required. Facilities above $150,000 are assessed case by case - unsecured approvals above that level are possible for strong profiles.
A revolving credit line means you only pay interest on what you draw - not the full approved limit.
We compare across our full panel of 50+ lenders to find the best rate and structure for your business.
Use our calculator. Enter your monthly revenue and how much you need. No credit check at this stage.
Our brokers compare across 50+ lenders and come back to you with the best available option for your situation.
Once approved, draw on your overdraft as needed. Only pay interest on what you use. No lock-in.
Yes - consulting firms are eligible for business overdrafts provided you have a minimum $6,000/month in revenue, a valid ABN and an Equifax score of 550+. Business loans are available from 6 months of trading; overdrafts typically need a 1-year ABN if you own property or 2 years if you don't, assessed case by case. No tax returns are required.
Up to $500,000 depending on your monthly revenue and trading history. As a guide, most lenders will consider up to 1.5x your monthly revenue. Use our borrowing calculator for an instant estimate.
Just 6 months of business bank statements, your ABN and a copy of your driver's licence. No tax returns, no financial statements, no accountant letters required.
Decisions can come as fast as 1 hour from submission. Funds can be in your account the same day in many cases - making it ideal when you need capital fast.
Yes. OverdraftMe is a credit representative of Lend & Loan Pty Ltd (ACL 511092), an MFAA Member and AFCA Member. We are fully licensed to provide credit assistance to consulting firms across Australia.
Everything SME owners need to know about business overdrafts. Free to download - no spam.
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