Business Overdraft Facilities
Flexible Access to Funds When You Need It
A business overdraft gives you a pre-approved line of credit, so you can draw funds as needed and only pay interest on what you use.
Smart, Ongoing Access to Capital
A business overdraft isn’t a loan — it’s a working capital tool designed to give you more control. Whether you’re navigating fluctuating revenue or preparing for short-term growth, an overdraft facility ensures your business has the flexibility it needs to operate confidently.
Business Continuity
Cover shortfalls in income or delayed receivables.
Emergency or Unexpected Costs
Pay suppliers, staff, or other urgent costs with ease.
Only Pay for What You Use
Interest is only charged on the amount you draw — not the total limit.
Revolving Credit
Repay and reuse as needed, like a safety net for your business account.
OVERDRAFT FACILITY CALCULATOR
Estimate Your Repayments
Use our overdraft facility calculator to get an instant estimate on your repayments.
Loan Amount
Interest Rate
Loan Term
Balloon / Residual
Repayment Frequency
Disclaimer: This calculator provides an estimate only and does not constitute a loan offer. Actual repayment amounts may vary depending on your individual circumstances and lender terms. Contact a QPF Finance Broker for a detailed quote.
Get in Touch
Ready to get started? Reach out to one of our experienced business finance brokers today to learn more about overdraft facilities.
How It Works
Tell us what you need
Looking for an unsecured business overdraft facility? Need help negotiating rates or limits? We start with your goals.
We compare lenders
We match you with leading business overdraft lenders across Australia and help you secure the right facility.
We take care of the setup
From approval to account connection, we handle the details end-to-end.
You access funds as needed
Draw down what you need, when you need it — with the confidence of pre-approved credit.
WHY QPF
The QPF Difference
We’ve helped Australian businesses secure overdraft credit facilities and short-term funding for over 45 years.
As a family-owned and operated brokerage, we understand the day-to-day realities of running a business from fluctuating revenue to time-sensitive expenses. Our team doesn’t just look at your numbers, we look at your goals, your operations, and your broader strategy to find funding that fits.
Family-Owned & Operated
We value long-term relationships and real-world outcomes.
80+ Lending Partners
We work with banks, fintechs, and non-bank lenders.
Unsecured Options Available
Access unsecured business overdrafts for eligible businesses.
Fast Setup
Get approved and connected quickly with full broker support.
End-to-End Service
We stay involved from enquiry through to setup and beyond.
OUR TEAM
How an Overdraft Facility Works for Business
An overdraft facility is linked to your business bank account and gives you access to extra funds when your balance drops below zero. It’s a flexible way to manage working capital, cashflow gaps, and unexpected expenses without locking yourself into a fixed-term loan.
From unsecured overdraft facilities to negotiated low-rate solutions, QPF helps you access credit that works with your business cycle.
OVERDRAFT FACILITIES
Frequently Asked Question's
What is an overdraft facility?
What is an overdraft in business?
How does a business overdraft work?
Is a business overdraft a good idea?
What are the advantages of an overdraft in business?
Are overdraft fees tax deductible for a business?
What’s the difference between a business overdraft and a loan?
What is the typical business overdraft interest rate?
Can I get an unsecured business overdraft?
How do I apply for an overdraft for my business?
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