Help & support
Access unsecured overdraft limits from $2,000–$250,000, and secured overdraft limits from $2,000.
Interest is charged on the used amount of your approved limit, with lower rates than most business credit cards.
Access funds when you need them, directly from your Business Transaction Account.
If you already bank with us, fast track your application in NetBank and if eligible get an instant decision1 and funds within minutes.
Unsecured Business Overdraft
No security needed - apply in NetBank and get an instant decision, if eligible1
Variable rates from 14.05% p.a.
New to CommBank? Book an appointment.
Secured Business Overdraft
Secure with residential, rural or commercial property.
Variable rates from 8.25% p.a.
There are no regular fixed repayments. Repay when you put money in your linked Business Transaction Account.
If you’re an existing CommBank customer, you may already be conditionally approved and get funds within minutes.
Apply in NetBank if you're a CommBank customer.
If you prefer to speak to someone, you can book an appointment.
Book an appointment if you're not an existing CommBank customer.
One of our specialists will call you to talk about your options.
BizExpress is a faster way for eligible businesses to apply for business loans and finance. It's used when you apply online and may also be used when you apply through a Banker. With BizExpress, we use information that we already hold about you or that you supply to streamline and speed up your application process.
Benefits of a business overdraft include:
You can access the money through your Business Transaction Account, using the usual methods: NetBank, the CommBank app, CommBiz, at CommBank ATMs, in branch, over the phone or through EFTPOS and cheques.
With a loan, you’re given the amount in a lump sum and charged interest on the whole amount, which you'll pay off over a period of time. Loans are generally taken when you need to make a purchase upfront and in full.
An overdraft is linked to your transaction account and allows you to access additional funds when your account balance reaches zero. You’re only charged interest once you use the money, and you’re only charged interest on the amount you use. Overdrafts are a way of making sure money is there if you should need it. For example, to manage unexpected expenses.
Both options are used to manage cash flow. While a business overdraft is linked to your Business Transaction Account and often used for short-term cash flow needs, a line of credit is a separate account or loan, accessed independently and often used for medium to long-term needs.
This information is current as at 18 July 2025 and is for general information purposes only. It has been prepared without considering your objectives, financial situation or needs. You should consider the appropriateness of this information to your circumstances before acting on it.
1 An instant decision is subject to the Bank's eligibility and suitability criteria.
2 Rates depend on your individual circumstances, including loan amount and type of security. We'll confirm the rate in your Letter of Offer.
3 Line fee: It is charged on your limit or outstanding balance, whichever is highest in that period. It is calculated daily but charged on first day of each charging period (monthly, quarterly or semi-annually) while the limit remains in place. On cancellation of the limit, payable to the cancellation date and charged on the first day of the charging period following cancellation of the limit.
If you exceed your business overdraft limit, your line fee rate will stay the same (and other fees and interest charges may apply, such as an Overdrawing Approval Fee and Excess Drawing Rate). Your line fee will be charged on the total balance, meaning it will apply to your approved overdraft limit plus the amount you exceed the limit by.
Credit provided by the Commonwealth Bank of Australia. These products are only available to approved business customers and for business purposes only. This offer cannot be used to refinance existing debt or purchase an asset. Applications for finance are subject to the Bank's eligibility and suitability criteria and normal credit approval processes. View our current Terms and Conditions for Business Finance, Electronic Banking, Business Savings and Transaction Accounts, CommBiz, NetBank, and Financial Services Guide and the Target Market Determination and consider them before making any decision about these products. Fees, charges and Terms & Conditions apply.
Rates and fees are subject to change without notice. Full terms and conditions are available on application. Bank and Government charges may apply. Rates and fees apply to Business Overdrafts linked with the following eligible business accounts: Business Transaction Account, Society Cheque Account, Standard Business Cheque Account Bearing Interest, Standard Business Cheque Account Not Bearing Interest, BBSW 30 Day Rate Account, CommBank Community Account, Overdraft Cheque Account (excluding Simple Business Overdraft).
