OverdraftMe is Australia's specialist business overdraft broker serving Canberra SMEs. No tax returns. No property security under $150K. Decisions from 1 hour. Up to $500K.
Get a free quote - 60 seconds →Canberra is home to approximately 42,000+ businesses spanning professional services, construction, hospitality, healthcare and retail. OverdraftMe provides business overdraft broker services to SMEs across Canberra and the broader ACT region - connecting them with the right non-bank lender from a panel of 50+.
Canberra's professional services economy - driven significantly by government contracting - creates consistent demand for working capital finance. Project-based revenue with delayed payment terms is extremely common among ACT SMEs.
Unlike generalist brokers who handle everything from home loans to car finance, OverdraftMe focuses exclusively on business overdrafts and cash flow finance. That specialisation means deeper lender relationships, better approval rates and faster outcomes for Canberra businesses.
| 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 $150,000 |
| Tax returns | Not required |
| Maximum facility | Up to $500,000 |
Serving all suburbs of Canberra including Civic, Braddon, Barton, Fyshwick, Belconnen and Tuggeranong. OverdraftMe operates Australia-wide - location is no barrier to approval.
Free broker service · No tax returns · No property under $150K · Decisions from 1 hour · Up to $500K · ACL 511092
Get a free quote →Yes - OverdraftMe works exclusively with non-bank lenders who assess Canberra business applications from 6 months of bank statements. No tax returns, BAS statements or financial statements are required.
Decisions come as fast as 1 hour from submitting a complete application. Same-day funding is possible in many cases. Most Canberra business overdraft applications are fully funded within 24 hours.
No - property security is not required for business overdraft facilities under $150,000. Your business revenue is the primary assessment criteria.
Yes - OverdraftMe is paid by the lender on settlement. There is no cost to your business for using our broker service at any stage of the application process.