Explore our unsecured business finance solutions

NAB Quickbiz is unsecured small business finance that doesn't require you to provide physical assets or property for security. Instead, your loan application is assessed on the strength of your business cashflow and your ability to service the loan.

Access up to $250000  in one business day with an unsecured business loan so you can focus on growing, running and investing in your business.

Fixed interest rate

10.95 % p.a.


$ 0

Upfront or ongoing.

Benefits of this loan

  • Quick and easy online application process.

  • Access funds within one business day.

  • Certainty of fixed monthly repayments.

  • New NAB customers can access up to $100,000.

Cover your business cash flow and unexpected expenses with an unsecured business overdraft linked to your transaction account.

Variable interest rate

12.25 % p.a.

Pay interest only on what you use.

Service fee

1.75 % p.a.

Fee applies to your approved limit.

Benefits of this overdraft

  • Quick and easy online application process.

  • Access funds within one business day.

  • Only pay interest on what you use.

  • Up to $50K and renewable annually.

Getting started with NAB QuickBiz

Applying for an unsecured business loan or overdraft is quick and easy. To get started select either a NAB QuickBiz Loan  or  NAB Quickbiz Overdraft and check that you’re eligible to apply. Once you have all the documents ready you can get started with your online application. If approved, you’ll access your funds one business day after we receive all your signed paperwork.

Check your eligibility

  1. 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.

  2. You're registered for GST, turnover of at least $75,000 per year, and operated under your current registered ABN/ACN for more than 12 months.

  3. You're at least 18 and a permanent Australian resident.

Have these documents ready

  • Your ABN or ACN details.

  • 12 months of reconciled business financial data from your accounting package.

  • Identification (passport, driver’s licence, Medicare card) if you’re new to NAB.

  • Your business transaction account number (for NAB customers only).

NAB Business Recovery Loans

Designed to help Australian businesses bounce back.

Link popular book-keeping software for faster applications

For a quick online decision, simply upload your reconciled 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, MYOB or QuickBooks online accounting software it’s even easier - simply connect securely with your login credentials and we’ll do the rest.

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

NAB QuickBiz Loan

Standard product information

This loan is available only as a fixed interest rate principal and interest loan for a 12, 24 or 36 month term with monthly repayments. The NAB QuickBiz loan interest rate applies from the drawdown date of your NAB QuickBiz Loan until the end of your loan term. Variable rate loan and interest only loans are not available. Economic costs may be payable if you terminate early. If this does not work for you, we have other loan options that may better suit your needs.

You must have an Australian bank account, in the same name as your business, to receive your funds.

The NAB QuickBiz Loan has no upfront or ongoing fees but economic costs may apply if you choose to pay the loan off before the end date of the contract.

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.

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

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

• Rates, fees and charges

• Business Banking Fees – A guide to fees and charges

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.