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Business Overdraft

A safety buffer linked to your business account - your balance can dip below zero up to an approved limit, and you only pay for the days you're using it.

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No credit check to see your optionsFree for businessesOffers within 24 hours

The honest bit first

Is an overdraft actually right for you?

It's the simplest product on the panel - a backstop, not a funding strategy.

It fits when

You hit short timing gaps - invoices land after wages are due
You want cover for the unexpected without holding idle cash
You'd rather set it up once and forget it until needed
Your income arrives unevenly across the month

Look at something else when

You're funding a project or purchase - that's a Business Term Loan
You need a larger, working facility - that's a Line of Credit
You're paying suppliers before stock sells - look at Trade Finance
You're living in the overdraft permanently - that's a restructure conversation, not a bigger limit

Key facts

What to expect - without the fine print voice.

Typical limits: Up to $2M.
Structure: Linked to your transaction account. Your balance can run below zero up to the approved limit - nothing to draw down or manage.
Cost pattern: You pay for the amount used, for the days it's used. Unused, it costs little or nothing - lender-dependent, shown side by side.
Security: Secured and unsecured options - the panel covers both.
Speed: Indicative offers within 24 hours. Time to funds depends on the lender - your specialist gives you a real timeline up front.
Rates: Depend on your situation and the lender - you compare matched offers side by side before choosing anything.
Cost to you: Free for businesses - we're paid by the lender when your loan settles. It doesn't change the rate you're offered.

How it works

Same process as everything we do.

Step 1

We understand your business

A short application, then a real conversation. What the funding is for, how your cash flow moves, what timing you're up against.

Step 2

We match you and show offers side by side

Your application reaches the lenders that suit overdraft facilities for your size and bank setup. Compare matched offers side by side.

Step 3

We handle it through to funded

Pick the offer that fits. Your specialist manages the paperwork and the provider until everything's in place.

Before you start

What you'll need on hand.

Most applications start with just these. Your specialist tells you if anything more is needed - before you dig for anything.

Your ABN and basic business details
Recent business bank statements - the last 6 to 12 months, depending on the lender
What the funding is for, in a sentence
Financials for amounts over $500k

Not quite right?

These often fit instead.

Line of Credit

Draw what you need, repay, draw again. For cash flow that moves around.

Learn more →

Business Term Loan

A lump sum, repaid over a set term. For defined, one-off spends.

Learn more →

Loan Consolidation

Several repayments become one. Simpler to run, easier to see where you stand.

Learn more →

Fair questions

Asked about business overdraft specifically.

Overdraft or line of credit - what's the difference?

An overdraft lives inside your bank account as a buffer, usually for smaller limits. A line of credit is a standalone facility, usually larger, built to be drawn on as part of how you run the business. Buffer versus tool - that's the split.

Is it bad to be in overdraft all the time?

It's a signal worth listening to. An overdraft is priced for occasional use - if you're living in it, you're likely paying the most expensive way to borrow. There are usually better structures for permanent working capital, and we'll tell you straight if that's you.

Does checking my options affect my credit score?

No credit check to see your options. A credit check only happens if you choose to formally proceed with a lender.

What does it cost?

Free for businesses - we're paid by the lender when your loan settles. It doesn't change the rate you're offered.

Sunny C.2 weeks ago · via Google

★★★★★

I've had the pleasure of working alongside Funding Loop Team, and it has been an outstanding professional partnership. Their professionalism, responsiveness, and genuine commitment to achieving the best outcomes for our mutual clients consistently stand out. Our collaboration has been seamless, with clear communication and a shared focus on providing exceptional service throughout the entire process. It's always reassuring to work with a team that values integrity, efficiency, and client satisfaction as much as we do. I highly recommend Funding Loop to anyone looking for a one stop shop for business finance, and who truly care about delivering excellent results for their clients.

Michael M.3 weeks ago · via Google

★★★★★

My business partner and I recently secured finance for our business through Funding Loop, and the whole process was fantastic. Ken was the person we dealt with, and he was amazing from start to finish. Communication was excellent, everything was handled quickly, and he made the whole process easy and stress-free. Highly recommend Ken and the team at Funding Loop to any business looking for finance.

Praveen G.3 weeks ago · via Google

★★★★★

Kenneth is actually above & beyond. He is very helful & always provide you service by keeping your own self interest first. Thanks Kenneth for being so helpful & providing all honest, trustworthy, real & correct information to make crucial decision of my finance requirement (lending). I recommed Funding Loop to everyone for your finance requirement. Thanks

Sanjay P.4 weeks ago · via Google

★★★★★

Amazing broker who will fight and work hard for you. I have had only positive things to say. They help you with strategy, know every lender well, and will discuss with you why you should go with them or not the others. Won't pressure you, will follow up promptly, and will even crunch numbers for affordability and give you the right path forward. They have been growing rapidly, and it's not hard to see why. Excited to see all the updates on your website. Will see you in 12 months.

Sharona K.1 month ago · via Google

★★★★★

I cannot recommend Kenneth from Funding Loop highly enough. From day one, he has gone above and beyond to support me and ensure I have access to the services and supports I need. Kenneth is always approachable, responsive, and genuinely cares about achieving the best outcomes for his clients. He takes the time to listen, explain things clearly, and follows through on everything he says he will do. Nothing ever feels like too much trouble. Navigating funding and supports can be overwhelming, but Kenneth has made the process so much easier. His professionalism, knowledge, and dedication have given me confidence and peace of mind knowing that I have someone advocating for my needs. Thank you, Kenneth, for your outstanding support and commitment. Your kindness and willingness to go the extra mile have made a real difference in my life. Kind regards, Sharona Caring Connections Disability Solutions

Kevin M.1 month ago · via Google

★★★★★

Dealt with Kenneth for finance for my business and couldn't fault the service. Clear, responsive, and genuinely took the time to understand what we needed as a newer business. Made the whole process easy - highly recommend.

You'll know where you stand within 24 hours.

One application. A real specialist. A straight answer - even if the answer is no.

Check my eligibility Talk to a specialist