• Our Services

Line of Credit & Overdraft

Flexible line of credit and business overdraft solutions designed to help businesses manage cash flow, operational expenses and short term funding requirements.

We help businesses across Australia access revolving credit facilities and overdraft solutions tailored to their day to day operations. Whether you need additional flexibility for supplier payments, wages, seasonal fluctuations or working capital support, OurBiz works with a broad lender network to structure funding aligned with your business needs.

Line of Credit & Overdraft Solutions Include:

  • Business overdraft facilities
  • Revolving line of credit solutions
  • Working capital support
  • Flexible short term funding access
  • Cash flow management solutions

Why Businesses Work With OurBiz?

  • Flexible lending for startups and growing businesses
  • Access to a broad Australian commercial lender network
  • Fast indicative outcomes and streamlined approvals
  • Funding solutions aligned with operational business needs

Common Uses For Line of Credit & Overdraft Facilities

Line of credit and overdraft solutions can support a wide range of operational business needs, including:

  • Managing supplier payments
  • Covering wages and operating expenses
  • Managing seasonal cash flow fluctuations
  • Purchasing stock or inventory
  • Supporting ongoing business operations

As independent finance brokers, we assess your business structure, revenue position and funding requirements to match you with suitable lenders from our network

Who We Work With

We support a wide range of Australian businesses including:

  • Sole traders
  • Partnerships
  • Companies
  • SMEs and established businesses

Approval depends on financial position, turnover and trading history, however our team works to structure solutions suited to your business profile.

Line of Credit & Overdraft FAQs

Why use a broker instead of going directly to a bank?

Most banks only offer their own lending products. As independent finance brokers, we compare multiple lenders and structure solutions aligned with your business goals, cash flow and industry needs – saving business owners time and helping secure more suitable outcomes.

How quickly can line of credit or overdraft applications be approved?

Many applications receive indicative outcomes within 24-48 hours, subject to documentation and lender assessment.

What is the difference between a line of credit and an overdraft?

Both provide flexible access to funding, however structures and repayment terms vary depending on the lender and facility type. Our team helps determine which option best suits your business.

What can a line of credit or overdraft be used for?

These facilities may assist with operational expenses, wages, supplier payments, inventory purchases and short term business cash flow management.

Why work with us

Structured Support
Tailored finance guidance aligned with your business goals
Trusted Network
Access to a broad lender network across commercial and asset finance
Relationship
Driven
Relationship focused support built around long term business growth
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Explore your funding options

Access structured funding solutions tailored around growth, cash flow and long term business goals.

We work with a broad network of Australian lenders to help structure the right finance solution for your needs.
Providing Australian businesses and individuals with structured finance solutions tailored around growth and flexibility.
Contact
Suite 402/35 Spring St, Bondi Junction NSW 2022
will@ourbiz.au
+61 466 269 313
© Copyright 2025 OurBiz Finance Brokers All Right Reserved
Ourrmaison Pty Ltd trading as OurBiz Finance Brokers | ACN: 678 550 911 is an authorised credit representative 542971 of National FinanceConnections Pty Ltd | ACN 661 296 457 | Australian Credit Licence 543046.

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