Benefits of a NAB Quickbiz Overdraft

Fast online application

Our online form gives you confidence of an instant decision and quick access to your funds.

Flexibility when you need it

Helps with unexpected 
expenses with no set monthly repayment if you're within your agreed limit.

Manage cash flow

Ongoing access to your overdraft, renewable annually. Only pay interest on what you use.

Unsecured finance

Access up to $50k without having to put your property on the line.

Get an instant online decision and quick access to your funds

What you need to knowFees and Charges

14.25% p.a. variable rate on what you've used

1.75% p.a. service fee on approved limit

$5K-$50K Loan amount

Link your accounting dataFast & simple online application

For a quick online decision, simply upload your financial data from any accounting package software. It’s best if you have your financial reports ready to go before starting the application to streamline the process.

If you have Xero or MYOB online accounting software it’s even easier – simply connect securely with your login credentials and we’ll do the rest. Find out more about generating reports in the right format.

Learn more

Things you'll need to startYou can apply online if you're:

A sole trader, a partnership with up to two partners, a company with up to five directors, or a trustee of an eligible trust.

Registered for GST, have a valid
 ABN/ACN and turnover 
of at least $100,000 per year.

Over 18 years old and an Australian 
citizen or permanent resident 
and have ID ready if you’re new to NAB.

Have 12 months of business financial data from your accounting software.

Ready to apply?
Select an option to get started with your overdraft

As part of your NAB QuickBiz Overdraft application you’ll need 
to link it to a NAB Business Everyday Account. Select an option below.

Streamline the setup

Already have a NAB Business Banking transaction account?

Simplify your application by linking your new overdraft to your existing account.


$0 monthly fee option*

Ideal if you make a low number of 
transactions and mainly transact online.

  • Get the flexibility to only pay for what you use.
  • No minimum balance or deposit needed.
  • No ATM fees within Australia at NAB ATMs.


$10 monthly fee option*

Ideal if you make a high number of transactions across a range of transaction types.

  • No minimum balance or deposit needed.
  • No ATM fees within Australia at NAB ATMs.
  • Fee-free periodic payments to any of our business loans.


Looking for more than $50K? Have a look at our NAB Business Overdraft

Simple and fast fundsHow does it work?

All you need to do is complete our simple application and we’ll give you 
an instant decision. When you’ve been approved, you’ll have the funds 
within one business day once we have your signed contracts.

We review your business cash flow, your credit score and time in business so you can receive an instant decision through our online application.

You’ll also get quick and easy access to your funds by linking your 
overdraft to a NAB Business Visa Debit card.

What you need to know
Still have questions?

If you haven't found what you're looking for visit our FAQs

Important information

*Additional service fees and charges may apply. Please refer to Business Banking Fees – A guide to fees and charges.

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Let's talk

We’re ready to help your business

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Mon-Fri 8am - 8pm (AEST/AEDT)
Sat-Sun 9am - 6pm (AEST/AEDT)

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