Smart Asset Final Form 14

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Business Overdraft & Line of Credit Loan

Smart Asset Lending gives you borrowing flexibility to manage day-to-day expenses and unexpected costs.

Google Ratings

Business Overdraft & Line of Credit Loan

Smart Asset Lending gives you borrowing flexibility to manage day-to-day expenses and unexpected costs.

Google Ratings

Smart Asset Final Form 14

$

Keep Cash Flow Under Control

A business overdraft or line of credit loans works like a financial safety net. Instead of applying for a new loan each time, you’ll have funds available to draw on when you need them, only paying interest on what you use. Perfect for managing seasonal dips, slow-paying clients, or urgent expenses.
>> Access funds instantly when cash flow dips
>> Pay interest only on what you use
>> Ideal for short-term operational needs
>> Flexible limits that can grow with your business
Apply Now

Calculate Your Monthly Repayment Amount

5 Years

At today's finance rate of 5.00%, you'll pay approximately...

$ 000 .00

per month

Apply Today

Why Smart Asset Lending Overdraft Solutions Work

Pay interest only on what you draw, not the total limit.

Ongoing access to funds without reapplying

Perfect for businesses with seasonal or fluctuating income.

Flexible repayment terms to suit your operations.
Limits That Grow with Your Business
Pay interest only on what you draw, not the total limit.

Ongoing access to funds without reapplying.

Perfect for businesses with seasonal or fluctuating income.

Flexible repayment terms to suit your operations.

Limits That Grow with Your Business

Who This Business Overdraft or Line of Credit Is Perfect For

Businesses Managing Seasonal Cash Flow

Ideal for companies that experience income fluctuations or off-peak periods.

Businesses with Slow-Paying Clients

Perfect for bridging gaps while waiting on invoices or contract payments.

Growing Businesses Needing Flexible Access to Funds

Great for businesses wanting ongoing access to capital without reapplying for loans.

Businesses Managing Seasonal Cash Flow

Ideal for companies that experience income fluctuations or off-peak periods.

Businesses with Slow-Paying Clients

Perfect for bridging gaps while waiting on invoices or contract payments.

Growing Businesses Needing Flexible Access to Funds

Great for businesses wanting ongoing access to capital without reapplying for loans.

Stay Cash-Ready in 4 Simple Steps

Step 1

Apply Online in Minutes

Submit a quick application with basic business details.
Step 2

Set Your Credit Limit

We help determine a borrowing limit that suits your cash flow needs.

Step 3

Get Fast Approval

We compare lenders to secure the best overdraft or line of credit option.
Step 4

Access Funds Anytime

Draw funds when needed and repay as cash flow improves.
Apply Online in Minutes

Submit a quick application with basic business details.

Set Your Credit Limit
We help determine a borrowing limit that suits your cash flow needs.
Get Fast Approval
We compare lenders to secure the best overdraft or line of credit option.
Access Funds Anytime
Draw funds when needed and repay as cash flow improves.

Eligibility

Valid ABN
Minimum Trading History
Proof of Business Income
Australian Residency
Clear Business Purpose
Credit Profile
Your business must be registered and operating in Australia.
Typically 6–12 months of active business operations.
Recent bank statements or financials showing consistent revenue.
Applicants must be Australian citizens, permanent residents, or eligible visa holders.
Details on how the facility will support operational expenses or cash flow management.
A reasonable credit history helps secure better limits and rates, though flexible options may be available.
Valid ABN
Your business must be registered and operating in Australia.
Minimum Trading History
Typically 6–12 months of active business operations.
Proof of Business Income
Recent bank statements or financials showing consistent revenue.
Australian Residency
Applicants must be Australian citizens, permanent residents, or eligible visa holders.
Clear Business Purpose
Details on how the facility will support operational expenses or cash flow management.
Credit Profile
A reasonable credit history helps secure better limits and rates, though flexible options may be available.

Our Clients Speak for Us

James P
★★★★☆

"Best Rates & Fast Approvals"

Smart Asset Lending made my vehicle finance so simple. I had approval within days and the rate was ...
Read More
James
★★★★☆

"Best Rates & Fast Approvals"

Smart Asset Lending made my vehicle finance so simple. I had approval within days and the rate was better than my bank offered
James P
James
Lucas D
★★★★★

"Excellent Servcies"

The team understood my business needs and secured the right equipment loan without the stress. I highly recommend it!
Lucas D
★★★★★

"Excellent Servcies"

The team understood my business needs and secured the right equipment loan without the stress. I highly recommend it!
Lucas D
Lucas D
Olivia
★★★★☆

"Flexible Repayment Options"

As a small business owner, I needed a loan for new equipment. Smart Asset Lending worked closely with me to create a flexible ...
Read More
Olivia
★★★★☆

"Flexible Repayment Options"

As a small business owner, I needed a loan for new equipment. Smart Asset Lending worked closely with me to create a flexible plan that fit my business needs. Their customer-first approach made the process simple, transparent, and fast. Truly professional and reliable
Olivia
Olivia
Michael
★★★★★

"Best Quality Services"

Smart Asset Lending made securing my vehicle finance completely stress-free. The team understood exactly what I needed, provided clear guidance, and I had ...
Read More
Michael
★★★★★

"Best Quality Services"

Smart Asset Lending made securing my vehicle finance completely stress-free. The team understood exactly what I needed, provided clear guidance, and I had approval within days at a better rate than my bank. I highly recommend their services to anyone looking for fast and tailored finance solutions
Michael
Michael

Quick Assist

What is a business overdraft?

It allows you to withdraw more than your account balance up to an approved limit.

How is interest calculated?

Interest is charged only on the amount used, not the entire limit.

Can I use the overdraft for short-term cash flow?

Yes, it’s ideal for managing temporary liquidity shortages.

What is the difference between a line of credit loans and an overdraft?

A line of credit loans are a pre-approved loan limit, while overdraft is tied to your bank account.

Can I renew my overdraft limit annually?

Yes, most banks review and renew overdraft facilities each year.

Flexible Borrowing for Your Business Needs

Cover day-to-day expenses or unexpected costs with a business overdraft or line of credit loan. Enjoy flexible borrowing limits and repayment options tailored to your operations. Apply today and stay financially agile.

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Contact Us

C5 Level 1, 2 Main Street, Point Cook, VIC 3030
0435 393 623 | 03 70652000

Queensland:
38-44 Lissner St, Toowong, QLD 4066
0478 886 007

18 Dublin Ave, Spring Mountain QLD 4300
0430 856 799

Disclaimer statement : This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances, and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice, and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

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