Business overdraft facility

An approved overdraft that sits ready until you need it, up to $500,000

One application across a panel of 40+ lenders. Draw when you need to, pay interest on the drawn balance, and repay to free the limit up again. Low-doc, business-purpose finance with typical approvals in 24 to 48 hours.

$500K 24-48h 40+

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Up to $500K
Fund almost any business asset
24-48 hour approvals
Approved today, on site tomorrow
Low-doc & no-doc
No financials needed
40+ lenders
One application, the sharpest rate

How it works

An approved limit on standby, not a lump sum you did not need

A business overdraft gives you an approved limit that sits alongside your trading, ready to draw when you need it. You pay interest only on the balance you have drawn, repay as money comes in, and the limit frees up again for next time.

Terms, fees and conditions vary by lender, and with many of the facilities we arrange your everyday banking stays where it is. As a brokerage we compare options across a panel of 40+ lenders, match you to the structure that fits how your business actually trades, and explain each lender's terms plainly before you commit.

What you can use it for

Put the facility to work however your business needs it.

Lumpy or uneven cashflow

When revenue lands in clumps but wages and rent land every week, the overdraft absorbs the gap between the two.

Payroll timing

Cover wages and super in the week before a big receivable clears, then repay the drawn balance once it does.

Seasonal businesses

Carry the quiet months without draining reserves, then run the facility back to zero through the busy season.

Early supplier discounts

Draw down to pay suppliers early and capture the discount, which can outweigh the interest on a short draw.

Slow-paying customers

Keep operating normally while a large invoice sits at 30, 60 or 90 days, instead of juggling which bill to pay first.

A standing buffer

Set the facility up before you need it, so an unexpected bill or a sudden opportunity never forces a rushed decision.

$500K
Maximum finance
24-48HR
Typical approval time
40+
Lenders on our panel

Why businesses choose Ventas

01

Interest on what you draw, not the limit

You are charged interest on the drawn balance, not on the approved limit. Some lenders charge a line or facility fee to keep the limit open, and we walk you through those costs before you commit.

02

Draw, repay and redraw

The facility is revolving, so you can run it up and back to zero as your cashflow moves. Minimum terms and review periods vary by lender, and we tell you exactly what applies before you sign.

03

Your banking can often stay put

Many of the lenders on our panel offer standalone facilities that run alongside your existing accounts, so you may not need to move your day-to-day banking. Where a lender does require it, we tell you upfront so there are no surprises.

Set the limit up before the squeeze, not during it

The best time to arrange an overdraft is when cashflow is steady, because approval is smoother and the limit is stronger. Most approvals come back in 24 to 48 hours, and getting a quote has no impact on your credit score.

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Business overdraft facilities across

We arrange revolving overdraft facilities for trades, retailers, seasonal operators and general SMEs right across the country. Everything is handled online, one application covers our whole panel, and most approvals land within 24 to 48 hours.

Ashfield Auburn Bankstown Banora Point Baulkham Hills Bexley Blacktown Bossley Park Burwood Cabramatta Campbelltown Campsie Carlingford Castle Hill Casula Chatswood Cherrybrook Concord Coogee Cranebrook Cronulla Dee Why Earlwood Eastwood Engadine Fairfield Frenchs Forest Glenmore Park Glenwood Granville Greenacre Greystanes Guildford Hornsby Hurstville Ingleburn Kellyville Kogarah Lakemba Leichhardt Lidcombe Liverpool Manly Maroubra Marrickville Marsden Park Mascot Merrylands Miranda Mosman Mount Druitt Newtown North Kellyville Oran Park Parramatta Penrith Prestons Punchbowl Quakers Hill Randwick Revesby Rockdale Rooty Hill Ryde Schofields Seven Hills St Clair St Ives Strathfield Surry Hills Sutherland Sydney Taree The Ponds Toongabbie Umina Beach Wahroonga Waterloo Wentworthville West Pennant Hills Westmead Wetherill Park Yagoona Altona Meadows Ascot Vale Balwyn North Belmont Bentleigh Bentleigh East Berwick Blackburn Boronia Box Hill Brighton Brighton East Brunswick Brunswick West Bundoora Camberwell Carlton Carnegie Caroline Springs Carrum Downs Caulfield North Cheltenham Clayton Clyde North Coburg Corio Craigieburn Cranbourne Cranbourne East Cranbourne North Cranbourne West Croydon Dandenong Dandenong North Deer Park Docklands Doncaster Doncaster East Doreen Drouin Eltham Elwood Endeavour Hills Epping Essendon Fawkner Ferntree Gully Footscray Frankston Frankston South Glen Iris Glen Waverley Glenroy Greensborough Greenvale Grovedale Hampton Park Hawthorn Hawthorn East Highton Hillside Hoppers Crossing Keilor East Kew Keysborough Lalor Langwarrin Lara Lilydale Malvern East Meadow Heights Melbourne Melton Mernda Mickleham Mill Park Mitcham Moonee Ponds Mooroolbark Mornington Mount Eliza Mount Martha Mount Waverley Mulgrave Narre Warren Narre Warren South Noble Park North Melbourne Northcote Ocean Grove Officer Pakenham Pascoe Vale Point Cook Port Melbourne Preston Reservoir Ringwood Rosebud Rowville Roxburgh Park Seaford South Morang South Yarra Southbank Springvale St Albans St Kilda Sunbury Sunshine Sunshine West Tarneit Taylors Hill Taylors Lakes Templestowe Thomastown Thornbury Torquay Truganina Wallan Wantirna Wantirna South Warragul Werribee West Wodonga Wheelers Hill Whittlesea Williamstown Wollert Wyndham Vale Yarraville Albany Creek Alexandra Hills Birkdale Bracken Ridge Brisbane Browns Plains Buderim Burleigh Waters Burpengary Caboolture Calamvale Caloundra Capalaba Carindale Cleveland Coomera Coorparoo Deception Bay Eight Mile Plains Forest Lake Gold Coast Helensvale Hope Island Inala Ipswich Kallangur Kirwan Labrador Logan Mango Hill Maroochydore Marsden Mooloolaba Morayfield Moreton Bay Mudgeeraba Narangba Nerang North Lakes Ormeau Pacific Pines Palm Beach Pimpama Redbank Plains Redland Bay Redlands Robina Rochedale South Runcorn South Brisbane Southport Springfield Lakes Springwood Sunnybank Hills Sunshine Coast Surfers Paradise The Gap Thornlands Upper Coomera Varsity Lakes Victoria Point West End Armadale Australind Baldivis Ballajura Bayswater Byford Canning Vale Como Dianella Duncraig Ellenbrook Fremantle Gosnells Halls Head Joondalup Landsdale Mandurah Midland Morley Perth Piara Waters Rockingham Scarborough Stirling Thornlie Wanneroo Willetton Adelaide Elizabeth Gawler Marion Modbury Morphett Vale Parafield Gardens Paralowie Prospect Salisbury Tea Tree Gully Hobart Belconnen Canberra Gungahlin Kambah Tuggeranong Woden Darwin

Common questions

Business Overdraft Facility, explained

How does a business overdraft facility work?

You are approved for a limit, up to $500,000, that sits ready alongside your normal trading. You draw on it when you need to, pay interest on the drawn balance, and repay as money comes in, which frees the limit up again. Exact terms and fees vary by lender, and we explain them before you commit.

Do I pay interest on the whole limit?

No. Interest is charged only on the balance you have actually drawn, so a facility sitting at zero is not accruing interest. Some lenders do charge a line or facility fee to keep the limit open, and we walk you through those costs before you commit to anything.

Do I have to move my banking to get one?

Often not. Many lenders on our panel offer standalone facilities that run alongside your existing transaction accounts. Some lenders, particularly banks, do require the facility to sit with your main account, and we tell you which is which before you apply.

How fast can the facility be in place?

Most approvals come back within 24 to 48 hours. Applications are low-doc, so recent bank statements and basic business details are usually enough to get a firm answer. Getting a quote has no impact on your credit score.

Is there a lock-in contract?

It depends on the lender. Some facilities are fully revolving with no minimum term, while others carry review periods, minimum terms or exit conditions. We put those terms in front of you plainly before you commit, and if a different product fits better we will say so.

What does it cost to apply?

Nothing upfront. A rate quote is free, there are no application fees, and our broking fee is paid by the lender at settlement. You only proceed if the limit and the pricing make sense for your business.