The Finance Algorithm
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Business Overdraft

Funding that helps you say yes to what’s next. Access working capital when you need it and only pay interest on what you use.

Business loansRates on applicationLender updated 16 Sept 2026
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At a glance

Pricing
Rates on application
Loan size
$20,000 to $500,000

Features

  • Overdrafts up to $500k
  • Flexible access to funds
  • 3-year revolving facility
  • Interest charged only on funds used

Eligibility and limits

  • Minimum age 18
  • Available to businesses
  • Amount $20,000 to $500,000
  • Have a legitimate business requirement
  • Minimum Director score of 550
  • At least 36 months’ ABN/GST registration
  • A personal guarantee
  • Australian driver’s licence or passport
  • Six months of bank statements for overdrafts up to $300k
  • Additional full financials for overdrafts between $300k and $500k
  • Property security for amounts over $200k, where applicable

Published by Dynamoney under the Consumer Data Right, last changed by them on 16 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.