Business Overdraft

In business, unexpected expenses can arise. When that happens, you’ll need some cash to cover your short-term business needs. Speak with us and we’ll work with top banks to find the perfect business overdraft arrangement for your situation.
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What are business overdrafts?

A business overdraft is a flexible lending facility linked to your business bank account, allowing you to withdraw up to an agreed limit. This type of financing is designed to help businesses manage cash flow fluctuations and meet short-term financial needs.

Let’s say you need to restock popular items in your small hardware store for a seasonal sale, but your current cash isn’t enough. You can use this business overdraft facility provided by the lender, which allows you to borrow up to $20,000.

You may withdraw $10,000 from your overdraft to buy the stock. Interest is applied only to the amount you’ve used, not the entire limit. Once you repay the borrowed amount, no additional interest will be incurred.

If this type of financing is something your business needs, we can help you get it from our network of lenders fast and stress-free. Speak with our expert brokers today!

How can you benefit from business overdrafts?

These benefits make business overdrafts a valuable financial tool for your business.

Flexibility in cash flow

Overdrafts help cover short-term expenses or unexpected costs without disrupting your operations.

Only pay for what you use

You're charged interest only on the overdrawn amount, which is more cost-effective if you only need small amounts intermittently.

Immediate access to funds

Once your overdraft is set up, you can address urgent financial needs immediately.

Easy of use

Overdrafts are often linked directly to your business bank account so you can integrate them into your financial management system seamlessly.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Step 1

Reach out to us and let’s discuss your situation and what kind of loan you need.

Step 2

Sit back and relax while we search our network to find the perfect loan for you.

Step 3

Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions. 


We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

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Frequently Asked Questions

A business overdraft is a credit facility linked to your bank account, allowing you to spend more than your account balance up to a certain limit. It's useful for managing cash flow ups and downs.
You're charged interest only on the amount you've overdrawn, not the full limit. The rate is typically higher than standard loans but applies only to what you use.
There might be setup fees, annual or monthly charges, and sometimes fees for exceeding your limit. It's important to know all the potential costs upfront.
This limit is set by your lender based on your business's finances and credit history, and it can vary widely.
It depends on your business's financial health and credit record. You'll need to provide detailed financial information for the lender to review.
The time varies, but it can range from a few days to weeks, depending on the lender and your promptness in providing the necessary documents.
Yes, both positively and negatively, depending on how you manage it. Good management can improve your rating, while poor handling can damage it.
Going over your limit can lead to extra fees, higher interest rates, and a negative impact on your credit score. It's important to stay within your agreed limit.
Yes, you can request a higher limit, but your lender will need to reassess your financial situation.
It really depends on your specific needs. Overdrafts offer more flexibility for short-term funding, while loans are typically better for larger, long-term financing.