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NAB Business Overdraft

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

Working Capital FinanceCashflow Loans
Source dated 25 Sept 2026
Amount
From $20K
Term
Not published
Rate
10.72% p.a. + margin
Security
Varies
Enquire about this product

Product details

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

Loan amount
From $20K
Rate
10.72% p.a. + marginBusiness overdraft prime / Benchmark indicator rate. Indicator rate effective 21 September 2026 from NAB's business lending indicator rates page ("Customer Margin may apply."). Product page says fees and variable rates are available on application.
Rate type
Variable
Security
Varies
Structure
Overdraft
Fees
Fees available on application
Restrictions
Revolving facility subject to annual review; must be linked to an eligible NAB transaction account. Security can be residential, commercial or rural property, business assets or a combination.
How to apply
Direct with the lender, or through us
Not published by NAB
term, repayment frequency, early repayment, time trading, turnover, documents, guarantees, funding time
Suitable purposes
Cash flow

About Business Overdraft

NAB publishes these details for Business Overdraft: structure overdraft; loan amount from $20K; security varies; suitable purposes cash flow. Not published by NAB 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 NAB products

  • Agribusiness Emissions Reduction Incentive Program: Structure is overdraft here and term loan incentive program for Agribusiness Emissions Reduction Incentive Program; NAB publishes loan amount (from $20K) for this product but not for Agribusiness Emissions Reduction Incentive Program; NAB publishes security (varies) for this product but not for Agribusiness Emissions Reduction Incentive Program; suitable purposes is cash flow here and equipment, Sustainable investment for Agribusiness Emissions Reduction Incentive Program.
  • Business Markets Loan: Structure is overdraft here and term loan (market-linked) for Business Markets Loan; loan amount is from $20K here and from $250K for Business Markets Loan; term is published for Business Markets Loan (up to 15 yrs) but not for this product; NAB publishes security (varies) for this product but not for Business Markets Loan.
  • Business Options Loan: Structure is overdraft here and term loan for Business Options Loan; term is published for Business Options Loan (up to 30 yrs) but not for this product; documentation is published for Business Options Loan (financial statements, tax returns, a business plan, proof of identity and details of the business structure and operations.) but not for this product; funding time is published for Business Options Loan (approval typically takes from a few days to several weeks) but not for this product.
  • Business Vehicle and Equipment Loan: Structure is overdraft here and chattel mortgage for Business Vehicle and Equipment Loan; security is varies here and asset-backed for Business Vehicle and Equipment Loan; documentation is published for Business Vehicle and Equipment Loan (financial statements for the last two years, latest tax portal report including BAS, and recent tax returns and proof of income.) but not for this product; suitable purposes is cash flow here and equipment, Vehicle for Business Vehicle and Equipment Loan.

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Source dated 1 Oct 2026
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Secured or unsecured business term loan from $20,000 with fixed or variable rates, terms up to 30 years and flexible repayment options.

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Source dated 25 Sept 2026
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Business Vehicle and Equipment Loan

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Source dated 25 Sept 2026
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