Business Overdraft & Line of Credit Finance
Access flexible working capital to manage cash flow, cover expenses and seize opportunities when they arise.
A business overdraft or line of credit gives your business access to flexible funding you can draw from whenever needed.
Unlike a traditional loan, you only pay interest on the amount you use..
Estimate Your Working Capital Costs
Use the calculator below to estimate repayments for a working capital facility.
Working Capital Calculator
Estimate repayments for a working capital facility, business overdraft or line of credit. Results are indicative only and do not constitute credit approval or an offer of finance.
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Business Overdraft & Line of Credit Solutions
Running a business often requires fast access to flexible funding. A business overdraft or line of credit gives you access to capital when you need it, allowing you to draw funds, repay and reuse them as your cash flow changes.
At DeMarque Finance, we help Australian businesses secure flexible working capital facilities including business overdrafts, lines of credit and revolving cash flow funding solutions.
Unlike traditional loans, these facilities are designed to give your business ongoing access to funding rather than a one-off lump sum.
Common Uses for a Business Overdraft or Line of Credit
A business overdraft or line of credit is designed to support short-term cash flow needs and ongoing operational expenses.
Working Capital Management
Manage day-to-day expenses and smooth out cash flow gaps between income and outgoings.
Inventory & Stock Purchases
Purchase stock ahead of busy trading periods without tying up cash.
ATO Tax Payments
Cover BAS or tax obligations while maintaining business liquidity.
Seasonal Cash Flow Gaps
Bridge fluctuations in revenue across different times of the year.
Payroll & Wages
Ensure staff are paid on time even during slow or seasonal periods.
Unexpected Expenses
Handle repairs, urgent costs or short-term financial pressure without disruption.
Types of Overdraft & Line of Credit Facilities
There are several types of flexible business funding facilities available depending on your business profile, revenue and security position.
Business Overdraft Facility
A revolving credit limit linked to your business account, allowing you to draw funds as needed and only pay interest on the amount used.
Invoice Finance / Debtor Finance
Access funding against outstanding invoices to improve cash flow.
Business Line of Credit
A flexible funding facility that provides ongoing access to capital, with the ability to draw, repay and redraw funds.
Revenue-Based Finance
Repayments linked to your business turnover, providing flexibility during slower periods.
Unsecured Working Capital Facility
Short-term funding based on business cash flow, typically without property security
Secured Line of Credit
Larger facilities supported by property or assets, often with lower interest rates.
Why Work With DeMarque Finance
Access to 60+ lenders
Fast indicative turnaround
Tailored funding structures
Australia-wide service
Industries We Frequently Finance
Construction & Trades
Transport & Logistics
Medical & Dental
Agriculture
IT & Office Equipment
Manufacturing
Retail & Wholesale
Hospitality & Tourism
Real Business Overdraft & Cash Flow Scenarios
Examples of how Australian businesses use working capital and business loan funding.
Construction Contractor Funding Project Costs
A Sydney-based construction contractor utilised a business overdraft facility to manage project cash flow, covering wages, materials and upfront costs while awaiting progress payments from the client.
Funding structure
• Facility limit: $150,000
• Facility type: business overdraft
• Repayment: interest-only on funds utilised
• Security: unsecured facility
Outcome
The overdraft provided immediate access to working capital, allowing the business to mobilise labour, secure materials and progress the project without cash flow constraints. As client payments were received, the facility was repaid and made available for reuse on future projects.
Hospitality Business Managing Seasonal Cash Flow
A hospitality business experiencing strong seasonal demand utilised a business line of credit to manage supplier payments, inventory purchases and staffing costs during peak trading periods.
Funding structure
• Facility limit: $90,000
• Facility type: business line of credit
• Repayment: interest-only on funds utilised
• Security: unsecured facility
Outcome
The line of credit provided flexible access to working capital during peak periods, allowing the business to scale operations without straining cash flow. As revenue increased, the facility was progressively repaid and remained available for future seasonal cycles.
Business Resolving ATO Tax Debt
A growing trades business fell behind on tax obligations following a period of rapid expansion and utilised a business line of credit to clear outstanding ATO liabilities and stabilise cash flow.
Funding structure
• Facility limit: $110,000
• Facility type: business line of credit
• Repayment: interest-only on funds utilised
• Security: unsecured facility
Outcome
The line of credit enabled the business to immediately address ATO liabilities, avoid escalating penalties and regain control of cash flow. As revenue normalised, the facility was progressively repaid and remained available for ongoing working capital needs.
Every funding scenario is different. Get a personalised finance quote in under 60 seconds.
How to Secure a Business Overdraft or Line of Credit
Step 1: Submit Your Funding Request
Complete our quick online finance assessment or speak with one of our experienced brokers to discuss your business funding requirements and objectives.
Step 2: We Assess Suitable Lenders
We review your scenario and compare funding options across our panel of over 60 lenders to identify solutions suited to your business profile and funding purpose.
Step 3: Approval and Funding
Once a suitable lender is selected, we guide you through the application process and documentation so funds can be released to support your business operations or growth.
Need Flexible Access to Business Funding?
Whether you’re managing seasonal cash flow, covering operational expenses or funding growth opportunities, we help Australian businesses access flexible working capital solutions from over 60 lenders.
Complete our quick assessment to explore funding options available to your business.
Frequently Asked Questions
Explore our FAQs to find answers to common questions about business loans and working capital funding for Australian businesses..
What is a business overdraft?
A business overdraft is a flexible funding facility linked to your business account that allows you to withdraw more than your available balance up to an approved limit. It’s designed to help manage short-term cash flow by giving you access to funds when needed, rather than providing a fixed lump sum like a traditional loan.
How does a business line of credit work?
A business line of credit provides access to a pre-approved funding limit that your business can draw from, repay and reuse as needed. You only pay interest on the amount you use, not the full facility limit, making it a flexible solution for managing ongoing expenses, seasonal fluctuations and working capital needs.
What’s the difference between an overdraft and a business loan?
A business overdraft or line of credit is a revolving facility, meaning you can draw, repay and reuse funds as needed. In contrast, a business loan provides a fixed amount upfront with set repayments over a defined term. Overdrafts are typically used for short-term cash flow management, while loans are more suited to larger, one-off investments or long-term funding.
Do I pay interest on the full limit?
No — with a business overdraft or line of credit, you only pay interest on the amount you actually draw down, not the total approved limit. This makes it a cost-effective option for businesses that need access to funds without wanting to incur unnecessary interest costs.
Can I get a business overdraft without property security?
Yes — many lenders offer unsecured business overdraft and line of credit facilities based on your business’s cash flow, turnover and trading history. While secured facilities (such as those backed by property) may offer larger limits or lower rates, unsecured options are widely available and can often be approved more quickly.