COLOSSAL FINANCE ─── CAPABILITIES / OVERDRAFTS & LINES OF CREDIT
─── OVERDRAFTS & LINES OF CREDIT · TYPICALLY BLUE
Working capital, structured for daily reality.Not just monthly averages.
Overdrafts and lines of credit are the most-used and least-considered commercial facilities. Most businesses have one. Most don't realise how much it's costing them.
─── WHEN THIS MATTERS
You might be here because…
Your overdraft costs more than it needs to.
You've had the same facility for years. The rate has crept up, the limit hasn't been reviewed, and you're paying for capacity you don't use.
You need a facility that flexes with seasonal cashflow.
Fixed limits don't match businesses where working capital needs triple in peak months and disappear in quiet ones.
You want to consolidate working capital into a properly-structured line.
Multiple small facilities, each with their own fees and covenants, adding complexity without adding value.
─── HOW WE STRUCTURE IT
The right instrument matters.
The distinction between overdrafts and lines of credit matters more than most businesses realise. We help you choose and structure the right instrument.
Overdraft vs line of credit
Overdrafts operate on your transaction account. Lines of credit are separate facilities you draw on as needed. Different use cases, different costs.
Secured vs unsecured
Security can reduce cost but also reduce flexibility. The right choice depends on your broader facility structure.
Limit sizing methodology
Too small constrains operations. Too large costs money for capacity you don't use. We model your actual cashflow patterns.
Pricing structures
Line fees, utilisation fees, margin structures — the headline rate is often the least important number.
─── THE LENDER LANDSCAPE
The working capital market is competitive.
Banks and non-banks compete for working capital facilities. We know who offers what.
Major Bank Overdrafts
Integrated with transaction banking, relationship-priced, often more expensive than alternatives.
Non-Bank Lines of Credit
More flexible structures, varied pricing models, often better for specific use cases.
Specialist Working Capital
Deep expertise in cashflow facilities, appetite for complexity, sector-specific products.
Sector-Specific Facilities
Products designed for specific industries with unique cashflow patterns.
─── CASE STUDY
Facility size
$750K
Previous facility
Major bank OD
Annual savings
$18K
Setup time
2 weeks
Brisbane professional services — overdraft replacement.
A Brisbane professional services business had a $750K overdraft with a major bank. The facility was 12 years old, the rate had never been reviewed, and they were paying a line fee on capacity they used for only 3 months of the year.
We replaced the overdraft with a line of credit from a specialist lender. The new facility has a lower margin, no line fee, and a seasonal limit that increases during their busy period.
Annual cost has reduced by $18K with no change to available capacity during peak months.
─── WHAT IT LOOKS LIKE WITH US
How we optimise working capital facilities.
Cashflow analysis
We analyse your actual daily cashflow patterns to understand true working capital needs.
Facility comparison
We model overdraft vs line of credit scenarios and identify optimal structures.
Market approach
We approach lenders with appetite for your sector and facility type.
Transition management
We manage the switch from existing facilities to the new structure.
Is your overdraft costing more than it should?
Start with a conversation about your cashflow patterns and current facility structure.