Business Overdraft
A flexible revolving facility with instant access via business card. Draw funds when needed, repay when convenient, and only pay interest on what you use.
Key Features
Interest Only
Pay interest only on funds actually drawn — not the full limit
Instant Access
Business Mastercard attached for immediate fund access
Digital Wallet
Apple Pay and Google Pay integration for contactless access
Revolving Facility
Draw, repay, and redraw as needed throughout the term
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationFlexible Working Capital on Demand
A business overdraft gives you access to funds when you need them without the commitment of a term loan. Draw down for short-term needs, repay when cash flow allows, and only pay interest on funds actually used.
Unlike term loans where you pay interest on the full amount from day one, an overdraft charges interest only on your outstanding balance. This makes it cost-effective for variable or unpredictable cash flow needs.
Instant Access via Business Card
Your overdraft comes with a business Mastercard for immediate access to funds. Use it for supplier payments, business expenses, or ATM withdrawals. Digital wallet integration means Apple Pay and Google Pay work instantly.
This eliminates the need to transfer funds between accounts — just use your card and the overdraft automatically covers the transaction.
Who Uses Business Overdrafts
Overdrafts suit businesses with variable cash flow, seasonal trading patterns, or unpredictable expenses. They provide a safety net for short-term gaps without the cost of maintaining unused term loan facilities.
Property owners can access up to $500,000, while non-property owners may access up to $100,000 depending on business strength.
Discuss Your Business Overdraft Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
Ready to Get Started?
Start your application today and get a response within 24 hours from our finance specialists.