Other ways we can help

Loans of up to $1 million to help support your business.

Benefits of a NAB Business Overdraft

An unsecured or secured overdraft starting from $20,000. See how it could benefit your business.


No set repayment schedule within your approved limit, and access to funds at anytime.


A revolving line of credit (subject to annual review).

Easy access

The option to link a variety of NAB accounts to your overdraft and access to cash via our ATM network using your linked NAB Business Visa Debit card.

Link your NAB business overdraft to these business accounts

A NAB Business Overdraft account must be linked to one of the following transaction or specialised accounts.

Transaction accounts

Link a NAB business overdraft to one of our NAB business transaction accounts.

Specialised accounts

If your business is specialised you can link an overdraft to the following accounts.

NAB Business Overdraft

How to apply

Here's a quick look at how to apply and receive your loan.

Step 1. Choose the right option

Choose the right finance to suit your needs. If you’re unsure, talk to us over the phone or in person with your local NAB business banker.

Step 2. Apply

You can apply over the phone or in person with your local NAB business banker.

Check what documents you need to apply

Step 3. Sign documents

Once the approval is sorted, we’ll send you the completed documents to sign and return.

Step 4. Receive your finance

Receive your finance once all documents are received and approved.

Ready to apply?

See how a NAB Business Overdraft could work for your business.

Access funds fast with a business overdraft

  • A simple unsecured overdraft ideal for small and medium sized businesses

  • Manage your cash flow by accessing funds when you need them

  • Borrow from $5000 to $50000

  • Access funds in your account in as little as one business day

  • No security required.

Help and support Common NAB Business Overdraft questions

What assets can be used as security for a secured business overdraft?

Assets including suitable residential, commercial, or rural property, business assets, or a combination of these, can be used as security for a secured business overdraft.

What are the rates and fees associated with a NAB secured business overdraft?

Fees and variable interest rates are available on application. The debit interest is calculated on the daily outstanding balance and is charged to the account on the last banking day of the month. Other fees may also apply to your linked transaction account. 

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

Terms and Conditions

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.