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.