OverdraftMe is Australia's specialist business overdraft broker serving Perth SMEs. No tax returns. No property security under $150K. Decisions from 1 hour. Up to $500K.
Get a free quote - 60 seconds →Perth is home to approximately 290,000+ businesses spanning construction, mining services, hospitality, retail and professional services. OverdraftMe provides business overdraft broker services to SMEs across Perth and the broader WA region - connecting them with the right non-bank lender from a panel of 50+.
Perth's economy is heavily influenced by the resources sector - and the trades and services businesses that support it. Construction and services businesses frequently face large upfront costs against delayed payment terms.
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 Perth 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 Perth including Fremantle, Subiaco, Joondalup, Midland, Rockingham and the CBD. 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 Perth 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 Perth 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.