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BOQ Business Overdraft

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

Working Capital Finance
Source dated 25 Sept 2026
Amount
From $10K
Term
Not published
Rate
12.01% to 12.76% p.a. + margin
Security
Property-secured
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Product details

As published by BOQ. Details not published by the lender are marked.

Loan amount
From $10K
Rate
12.01% to 12.76% p.a. + marginBOQ business lending reference rates shown on 25 Sep 2026 (no as-at date published): Overdraft Residential Security Base Rate 12.01% p.a., Overdraft Other Security Base Rate 12.76% p.a. Priced from BOQ's published overdraft base rates (residential security and other security) plus a customer margin.
Rate type
Variable
Security
Property-secured
Structure
Overdraft
Fees
Application fee of 0.75% of the approved limit (minimum $750) · Agreed credit advance fee of 0.40% of the approved limit (minimum $90), charged quarterly · Monthly fee: nil
Restrictions
Interest charged monthly in arrears. ATM and internet banking access.
How to apply
Direct with the lender, or through us
Not published by BOQ
term, repayment frequency, early repayment, time trading, turnover, documents, guarantees, funding time
Suitable purposes
Cash flow

About Business Overdraft

BOQ publishes these details for Business Overdraft: structure overdraft; loan amount from $10K; security property-secured; suitable purposes cash flow. Not published by BOQ for this product: term, maximum LVR, time trading, turnover, documentation, funding time. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other BOQ products

  • Business Term Loan: Structure is overdraft here and term loan for Business Term Loan; term is published for Business Term Loan (1 yr to 30 yrs) but not for this product; security is property-secured here and secured for Business Term Loan; suitable purposes is cash flow here and buy a business, Growth for Business Term Loan.
  • Commercial Hire Purchase: Structure is overdraft here and hire purchase for Commercial Hire Purchase; loan amount is from $10K here and from $20K for Commercial Hire Purchase; term is published for Commercial Hire Purchase (1 yr to 5 yrs) but not for this product; security is property-secured here and asset-backed for Commercial Hire Purchase.
  • Commercial Rate Loan: Structure is overdraft here and term loan for Commercial Rate Loan; loan amount is from $10K here and from $500K for Commercial Rate Loan; term is published for Commercial Rate Loan (1 yr to 5 yrs) but not for this product; security is property-secured here and secured for Commercial Rate Loan.
  • Finance Lease: Structure is overdraft here and finance lease for Finance Lease; loan amount is from $10K here and from $20K for Finance Lease; term is published for Finance Lease (1 yr to 5 yrs) but not for this product; security is property-secured here and asset-backed for Finance Lease.

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More from BOQ

Business Term Loan

Secured business term loan from $10,000 over 1 to 30 years, to buy a business, grow or expand operations, with weekly to monthly repayments.

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Source dated 25 Sept 2026
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Fixed rate hire purchase from $20,000 over 1 to 5 years for business equipment and cars, with an optional balloon at the end.

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Not published
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Source dated 25 Sept 2026
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Commercial loan from $500,000 over 1 to 5 years for property investment or business acquisitions, secured by property, business assets or guarantees.

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Rate
Rate available on application
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Source dated 25 Sept 2026
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Finance Lease

Finance lease of $20,000 or more over 1 to 5 years for machinery, computers, cars and other business equipment, with 100% finance available.

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From $20K
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Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for BOQ Finance Lease

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