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The Business Loan Store

Compare business lines of credit and overdrafts

A business line of credit gives you an approved limit you can draw on, repay and draw again. Many lenders only charge interest on what you use, which suits uneven or seasonal cash flow.

29 products from 22 lenders · Last checked 29 Sept 2026

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29 products from 22 lenders

Business lines of credit

Major bank

ANZ Business Overdraft

Secured or unsecured business overdraft from $2,000 with no set repayments, for trading and seasonal cash flow and working capital.

Amount
From $2K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for ANZ Business Overdraft
Major bank

ANZ GoBiz Unsecured Business Overdraft

Unsecured business overdraft from $2,000 to $200,000, applied for online through ANZ GoBiz, for short-term cash flow and working capital.

Amount
$2K to $200K
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
16.20% p.a. variable
Repayments
Not published
Trading
6+ months trading under the current ABN/ACN
Source dated 25 Sept 2026
Details for ANZ GoBiz Unsecured Business Overdraft
Bank

Bendigo Bank Business Overdraft

Fully fluctuating business overdraft from $20,000, linked to a Business Everyday account, charging interest only on the amount you use.

Amount
From $20K
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Bendigo Bank Business Overdraft
Customer-owned bank

Beyond Bank Business Overdraft

Revolving business overdraft with limits from $10,000, giving ongoing access to funds to combine business loan and working capital needs.

Amount
From $10K
Term
Not published
Security
Not published
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 29 Sept 2026
Details for Beyond Bank Business Overdraft
Non-bank business lender

Bizcap Line of Credit

Revolving line of credit from $15K to $750K for businesses managing cash flow, repaid daily or weekly.

Amount
$15K to $750K
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Daily, Weekly
Trading
9+ months trading
Source dated 23 Sept 2026
Details for Bizcap Line of Credit
Non-bank business lender

Bizcap Line of Credit Ultra

Line of credit from $50K to $500K for higher-revenue businesses, with 0% to 2% interest in the first four weeks.

Amount
$50K to $500K
Term
Not published
Security
Not published
Rates and other criteria
Rate
0% to 2% interest in the first four weeks
Repayments
Not published
Trading
9+ months trading
Source dated 23 Sept 2026
Details for Bizcap Line of Credit Ultra
Bank

BOQ Business Overdraft

Variable rate business overdraft from $10,000, secured by residential or non-residential property, to manage cash flow and unexpected expenses.

Amount
From $10K
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
12.01% to 12.76% p.a. + margin
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for BOQ Business Overdraft

Commonwealth Bank Business Overdraft

Business overdraft with unsecured limits up to $250,000 or property-secured limits from $2,000, with interest charged on the amount used.

Amount
From $2K
Term
Not published
Security
Varies
Rates and other criteria
Rate
From 8.75% p.a. variable
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Commonwealth Bank Business Overdraft
Asset and equipment financier

Dynamoney Business Overdraft

Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.

Amount
$20K to $500K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
ABN and GST registered for 3+ years
Source dated 23 Sept 2026
Details for Dynamoney Business Overdraft
Invoice and trade financier

Earlypay Business Line of Credit

Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.

Amount
$100K to $10M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Earlypay Business Line of Credit
Customer-owned bank

Great Southern Bank Business+ Unsecured Overdraft

Unsecured business overdraft with limits of $10,000 to $50,000, linked to a Business+ Account, with interest charged only on what you owe.

Amount
$10K to $50K
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
11.70% p.a. to 21.70% p.a. variable
Repayments
Not published
Trading
1+ year trading
Source dated 25 Sept 2026
Details for Great Southern Bank Business+ Unsecured Overdraft
BankVia broker

Judo Bank Line of Credit

Business line of credit from $250K, arranged through a relationship banker, for managing cash flow or funding growth.

Amount
From $250K
Term
Up to 1 yr
Security
Not published
Rates and other criteria
Rate
Base rate plus margin
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Judo Bank Line of Credit
Property-backed non-bank

Liberty Financial Business Line of Credit

Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.

Amount
$50K to $2M
Term
Not published
Security
Varies
Rates and other criteria
Rate
From 10.20% p.a.
Repayments
Monthly
Trading
No minimum time in business
Source dated 23 Sept 2026
Details for Liberty Financial Business Line of Credit
Non-bank business lender

Lumi Business Line of Credit

Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.

Amount
Up to $1M
Term
Up to 5 yrs
Security
Varies
Rates and other criteria
Rate
From 15.5% APR
Repayments
Weekly
Trading
6+ months trading
Source dated 23 Sept 2026
Details for Lumi Business Line of Credit
Bank

Macquarie Bank Business Overdraft

Business overdraft from $50,000 for short-term cash flow, available only alongside other Macquarie business products.

Amount
From $50K
Term
Not published
Security
Secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Macquarie Bank Business Overdraft
Bank

Macquarie Bank Line of Credit

Revolving business line of credit over up to 5 years for short to medium term working capital, with interest charged only on funds drawn.

Amount
Not published
Term
Up to 5 yrs
Security
Secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Macquarie Bank Line of Credit
Invoice and trade financier

Moneytech Line of Credit

Line of credit up to $500,000 for paying suppliers, stock and subcontractors, with up to 120 days to repay each drawdown.

Amount
Up to $500K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
12+ months GST registration
Source dated 25 Sept 2026
Details for Moneytech Line of Credit
Major bank

NAB Business Overdraft

Secured or unsecured revolving business overdraft from $20,000, subject to annual review, with interest on the daily balance used.

Amount
From $20K
Term
Not published
Security
Varies
Rates and other criteria
Rate
10.72% p.a. + margin
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for NAB Business Overdraft
Major bank

NAB QuickBiz Overdraft

Unsecured business overdraft of $5,000 to $50,000 with a variable rate, applied for online, with interest charged only on funds used.

Amount
$5K to $50K
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
16.25% p.a. variable
Repayments
Not published
Trading
12+ months trading
Source dated 25 Sept 2026
Details for NAB QuickBiz Overdraft
Non-bank business lender

Prospa Business Line of Credit

Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.

Amount
$2K to $500K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Prospa Business Line of Credit
Invoice and trade financier

ScotPac Line of Credit

Line of credit up to $500K, sized up to 150% of average monthly sales, with a 2-year redraw period and 2 further years to repay.

Amount
Up to $500K
Term
Up to 4 yrs
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
12+ months trading
Source dated 23 Sept 2026
Details for ScotPac Line of Credit
Private lender

Secured Lending Secured Business Line of Credit

Revolving business line of credit secured by a second mortgage over property, letting you draw, repay and redraw within the term.

Amount
Not published
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Secured Business Line of Credit
Non-bank business lender

Shift Business Overdraft

Revolving business overdraft from $10K to $2M for managing cash flow, with the limit based on your linked bank data.

Amount
$10K to $2M
Term
Up to 5 yrs
Security
Not published
Rates and other criteria
Rate
14.95% to 24.95% p.a. (variable)
Repayments
Weekly, Monthly
Trading
Not published
Source dated 23 Sept 2026
Details for Shift Business Overdraft
Non-bank business lender

Shift Equipment Line

Revolving equipment line up to $2M over up to 5 years for new or second-hand equipment and fit-outs, with monthly repayments.

Amount
Up to $2M
Term
Up to 5 yrs
Security
Not published
Rates and other criteria
Rate
11.95% to 16.95% p.a. (fixed)
Repayments
Monthly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Shift Equipment Line
Bank

Suncorp Bank Business Line of Credit

Property-secured line of credit with no set term or set principal repayments, for investments, short-term working capital and seasonal needs.

Amount
Not published
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Suncorp Bank Business Line of Credit
Bank

Suncorp Bank Business Overdraft

Secured business overdraft from $10,000 with a variable rate, no set term and an ongoing limit, for short-term cash flow and unexpected expenses.

Amount
From $10K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Suncorp Bank Business Overdraft
Property-backed non-bankVia broker

Thinktank Commercial Line of Credit

Line of credit of up to $1M secured by commercial property, added to a Thinktank commercial loan, with no annual reviews.

Amount
Up to $1M
Term
Up to 5 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Line of Credit
Major bank

Westpac Business Overdraft

Secured business overdraft with a variable rate and a line fee on the total limit, where interest is paid only on the amount used.

Amount
Not published
Term
Not published
Security
Secured
Rates and other criteria
Rate
From 8.11% p.a. variable
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Westpac Business Overdraft
Major bank

Westpac Unsecured Business Overdraft

Unsecured business overdraft of $5,000 to $250,000 with a variable rate and a fee on the total limit.

Amount
$5K to $250K
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
13.71% p.a. variable
Repayments
Not published
Trading
12+ months trading
Source dated 25 Sept 2026
Details for Westpac Unsecured Business Overdraft

The facilities below include online lines of credit, bank-style overdrafts and revolving facilities from non-bank lenders.

What to know

Check line fees

Some facilities charge a fee on the limit even when it is not drawn.

How drawdowns are repaid

Some lines convert each drawdown into its own short repayment schedule. Others work like a traditional overdraft.

Reviews and renewals

Many facilities are reviewed periodically, so keep account conduct clean.

Business lines of credit: common questions

Is a line of credit better than a business loan?

It suits recurring or unpredictable needs. A term loan suits a single, known expense with a clear payback.

Do I pay interest on the whole limit?

Often only on the amount drawn, but check for line or undrawn fees.

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