Pay less interest
You’ll only pay interest on the debit amount, making an overdraft a cost-effective finance option.
Business overdrafts
An overdraft is a revolving credit facility that’s attached to your transaction or cheque account. It’s there when you need it, so it can help you through the leaner months. Talk to us about your options or apply online.
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A convenient, cost-effective credit option
Flexible repayment
Pay back some or all of your overdraft when it’s convenient for you.
Accessible
It’s available whenever you need it, because the facility stays in place even when you’re not using it.
Overdraft rates and fees
Rates and fees will vary depending on which account you have in overdraft. See rates and fees for:
Apply for an overdraft online
QuickBiz is a simple way to apply online for an overdraft, linked to a Business First Transact account.^ You could access overdraft funds between $5,000 and $100,000, without needing to provide additional security. For overdrafts over $100,000 contact us.
Get in touch
Our business support team can help you find the lending solution that best suits your business.
- Send us an enquiry
- Call Small Business Specialists: 0800 269 763
- Call BNZ Partners: 0800 275 269
Other cash flow lending solutions
Overdrafts
If you’re regularly paying bills or have unexpected expenses, an overdraft may suit you. It’s a convenient, cost-effective revolving credit facility.
Credit cards
Pay for travel, supplies, and everyday expenses. We’ve got a range of credit card options to suit your business needs.
Invoice finance
Cover any gaps and access funds when you’re waiting for payments with our invoice finance solution, CashFlow Plus.