Written by John Pierre Saliba, Director and Senior Finance Broker. Last updated June 2026. ACL 511092.
As a café, you know the pressure of daily stock purchasing, weekly wages and seasonal revenue drops in winter. OverdraftMe connects you with fast, flexible business overdrafts - up to $500K, no tax returns, free broker service.
A business overdraft lets you cover stock, wages, equipment repairs and cash flow gaps during slow periods. Draw what you need, when you need it - and only pay interest on what you use. Read our step-by-step guide to getting a cafe business loan for the full picture.
Decisions as fast as 1 hour. Funds in your account the same day in many cases. No waiting weeks for bank approval. We also help restaurants and other hospitality businesses.
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 ever.
Borrow up to $150K without putting your home on the line. Property security only required above that threshold.
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.
Australia has one of the strongest cafe cultures in the world, with tens of thousands of cafes operating nationally and the sector employing well over 100,000 people. Margins are thin and revenue is seasonal, which is precisely why access to flexible finance separates the cafes that grow from the ones that stall in a quiet winter. The two pressures we see most: equipment that needs replacing before it fails service, and wages that fall due weekly while revenue arrives unevenly.
"[Genuine quote from a real cafe client, used with permission.]"
First name, cafe type, state. See more settled transactions.
Around 60% of the cafe owners we help were previously declined by a bank. A bank decline is not the end of the road, it usually just means your business does not fit a rigid bank template. Non-bank lenders assess hospitality on cash flow and bank statements, and they understand seasonal revenue. Check your eligibility now or explore your business overdraft options.
Yes - cafes are eligible for business overdrafts provided you have been trading for at least 6 months, have a minimum $6,000/month in revenue, hold a valid ABN and have an Equifax score of 550+. 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 cafes across Australia.
Most non-bank lenders want 6 months of trading. Under that, options narrow but are not always zero. Equipment finance secured against the asset is often available earlier.
Yes. Lenders assess average revenue across 6 months, so a quiet winter does not disqualify you. An overdraft suits seasonal trade because you draw in the quiet months and repay in the busy ones.
An Equifax score of 550 or above is the usual minimum, and some specialist lenders go lower. See the full approval guide.
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