Business Overdraft

Short-term finance for business expenses.
Category: Overdrafts  Last Updated May 1, 2026  Effective June 3, 2026

 General Lending Rates

No product information is currently listed. Please make contact with us for more information.

 Product Features

  • Extra Repayments Additional Information: Borrower can repay the principal and interest in part or in full at any time.
  • Other Additional Information: Not provided on a standalone basis, only available in addition to Business Transaction Account and other products.
  • Other Additional Information: Interest payment Interest is capitalised. Interest is charged on the drawn balance.
  • Other Additional Information: Loan Collateral Property, Business assets.
  • Other Additional Information: LVR - Business Assets LVR vary by Industry. Dependent on amortisation and asset profile. Subject to lending criteria.
  • Redraw Additional Information: Redraw of funds is available.
  • Overdraft
  • Other Additional Information: Loan term No maximum loan term. Repayment is on demand.
  • Unlimited Txns Additional Information: Unlimited transactions permitted, up to the specified limit.
  • Bill Payment
  • Relationship Management
  • Fraud Protection Additional Information: Safe and secure - Macquarie Authenticator adds an extra layer of customisable security to your banking
  • Digital Banking Additional Information: Manage Banking Online
  • Guarantor

 Product Eligibility

  • Business
  • Min Age - 18.
  • Other Additional Information: Borrowers: Company, Partnership, Trust

 Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: Not Listed.. Additional Information: ≤$3m up to 0.50% of limit >$3m available (& negotiable) on application
  • Line Fee Or Unused Limit Fees (Periodic), Amount: Not Listed.. Additional Information: Line fee or unused limit fees may apply and are available on application.
  • Registration, Government Transaction Charges & Third Party Fees (Event), Amount: Not Listed.. Additional Information: Registration, Government Transaction charges & third party fees may apply.

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00
  • Max Lvr of 0.80 Additional Information: Applies to Residential Property. Property Security LVR is dependent on location and value of Security. Loans to medical professionals with a fellowship from an Australian Medical College or healthcare businesses meeting our Health Goodwill Guidelines can receive up to an additional 10% LVR if the lending is against the residential property (excluding 'retail' borrower investments. A 'retail' borrower includes an investor in residential property that is an individual regulated under NCCP or is a company that is not a trading business or has less than 4 properties). Lending criteria apply.
  • Max Lvr of 0.70 Additional Information: Applies to Commercial Property. Dependent on location and value of Security. Loans to medical professionals with a fellowship from an Australian Medical College or healthcare businesses meeting our Health Goodwill Guidelines can receive up to an additional 10% LVR if the lending is against the commercial owner-occupied property. Lending criteria apply.

 Document Downloads