Which business finance is right for me?

It depends on your purpose, amount needed, urgency and repayment preference. A business overdraft suits ongoing cash flow needs — you draw on it as needed and only pay interest on what you use. A business loan suits one-off purchases like equipment or expansion. A line of credit offers flexible drawdowns for businesses that need regular access. A working capital loan suits short-term urgent needs like ATO bills or wages. Our quiz above matches you to the best product in under 60 seconds.

A business overdraft is a revolving credit facility — you draw funds as needed and only pay interest on the amount you've used, not the full limit. You can redraw indefinitely. A business loan gives you a lump sum upfront with fixed repayments over a set term (usually 3–24 months). Overdrafts are ideal for managing cash flow; loans are better for specific one-off purchases with a known cost.

Yes. Most non-bank lenders require just 6 months of trading history and an active ABN. You'll need to show at least $6,000 per month in revenue through your bank statements. No tax returns are required. If you've been trading for less than 6 months, options are more limited but still exist — contact us to discuss your specific situation.

Non-bank lenders can issue approvals in as little as 1 hour for straightforward applications. Funds can be in your account the same business day. The fastest path is to have your last 3 months of business bank statements ready. OverdraftMe works with 50+ lenders to find the fastest option for your situation and urgency.

Yes, 100% free. OverdraftMe is a free broker service for borrowers. We are paid by the lender on settlement, not by you. There is no cost to enquire, no credit check at the enquiry stage, and no obligation to proceed. We're a credit representative of Lend & Loan Pty Ltd (ACL 511092) and a member of the MFAA.