Compare our business overdrafts

Explore our options for business overdraft facilities for help with your cash flow or unexpected expenses. Once approved, you’ll be able to access additional funds directly from your NAB Business transaction account.

Get access to a business line of credit with an unsecured business overdraft that you can draw down at any time.

Borrow from:

$5,000 to $50,000

Apply online and access funds within one business day

An overdraft on your Business Everyday Account to help manage your cash flow and seasonal expenses.

Borrow from:


Benefits of choosing a NAB business overdraft

Manage cash flow

Withdraw money up to an approved limit when you need to and make deposits when your business receives payments, giving you more flexibility and control.

Only pay interest on what you use

Access your additional funds (line of credit) through your NAB Business Everyday Account and only pay interest on the outstanding debit balance.

Secured or unsecured options

The overdraft can be unsecured or secured by suitable residential, commercial or rural property, business assets or a combination of these.

An overdraft on your farm account to help you manage your seasonal cash flow.

  • Access funds up to your approved limit when it suits your business.

  • No set repayment schedule (within your approved limit) allowing you to make repayments anytime.

Talk to a NAB agribusiness banker to discuss this overdraft

Help and support Common business overdraft questions

What is the difference between an unsecured and a secured business overdraft?

A secured business overdraft requires you to provide property, inventory, accounts receivables or other assets as security. An unsecured business overdraft does not require any security against the loan.

How fast is the business overdraft approval process?

It depends on the type of business overdraft you are applying for. If you need an overdraft quickly, the best option may be to consider a NAB QuickBiz unsecured business overdraft. It has a quick online application process (15 – 20 minutes), and if approved, you can get access to funds within one business day.

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Get in touch

Sales enquiries

Let us help with your business banking needs. Request a call back to chat with one of our business bankers.

Contact us

Visit our business banking contact page for how-to-guides, FAQs and contact numbers.

Visit a NAB business banking centre

Let our business banking specialists help you in person.

Terms and conditions

NAB QuickBiz Overdraft

Standard product information

The overdraft is available as a variable interest rate only. Debit interest is calculated on the daily outstanding balance and is charged to the account on the last banking day of the month. A QuickBiz Overdraft service fee applies and is charged to the account on the last banking day of each month. Fees and charges may apply to your linked transaction account.

You can only borrow up to $50,000 in total limits across both a NAB QuickBiz Overdraft and NAB Business Credit Cards (applied for online).

The NAB QuickBiz Overdraft is only available as a new facility. It can’t be applied to existing NAB business overdrafts.

View NAB QuickBiz Overdraft eligibility criteria.

These products are issued by National Australia Bank Limited ABN 12 004 044 937.

Lending criteria and terms and conditions apply (available on application).

NAB recommends you consider the Product Disclosure Statement or other disclosure document, available from NAB, before making any decisions regarding these products. These products are issued by National Australia Bank Limited ABN 12 004 044 937.