{
  "source": "https://api.macquariebank.io/cds-au/v1/banking/products/BB001MBLOVR001",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "BB001MBLOVR001",
    "lastUpdated": "2026-05-01T00:01:00.001Z",
    "productCategory": "OVERDRAFTS",
    "name": "Business Overdraft",
    "description": "Short-term finance for business expenses.",
    "brand": "Macquarie Bank Limited",
    "isTailored": true,
    "additionalInformation": {
      "bundleUri": "https://www.macquarie.com.au/business-banking/business-loans.html",
      "eligibilityUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
      "feesAndPricingUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
      "overviewUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
    },
    "applicationUri": "https://www.macquarie.com.au/business-banking/request-a-call.html",
    "brandName": "Macquarie",
    "bundles": [
      {
        "name": "Business Overdraft",
        "description": "Business overdrafts are not provided on a standalone basis, only available in addition to other products.",
        "productIds": [
          "LN001MBLMPV001, BB001MBLFDA001, BB001MBLLOC001, BB001MBLCOM001, BB001MBLTXN001"
        ]
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-loans.html",
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "Applies to Residential Property. Property Security LVR is dependent on location and value of Security. Loans to medical professionals with a fellowship from an Australian Medical College or healthcare businesses meeting our Health Goodwill Guidelines can receive up to an additional 10% LVR if the lending is against the residential property (excluding 'retail' borrower investments. A 'retail' borrower includes an investor in residential property that is an individual regulated under NCCP or is a company that is not a trading business or has less than 4 properties). Lending criteria apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "additionalValue": "0.80"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "Applies to Commercial Property. Dependent on location and value of Security. Loans to medical professionals with a fellowship from an Australian Medical College or healthcare businesses meeting our Health Goodwill Guidelines can receive up to an additional 10% LVR if the lending is against the commercial owner-occupied property. Lending criteria apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "additionalValue": "0.70"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking.html"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Borrowers: Company, Partnership, Trust",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      }
    ],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Borrower can repay the principal and interest in part or in full at any time."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Not provided on a standalone basis, only available in addition to Business Transaction Account and other products.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest payment Interest is capitalised. Interest is charged on the drawn balance.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan Collateral Property, Business assets.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "LVR - Business Assets LVR vary by Industry. Dependent on amortisation and asset profile. Subject to lending criteria.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw of funds is available.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan term No maximum loan term. Repayment is on demand.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited transactions permitted, up to the specified limit."
      },
      {
        "featureType": "BILL_PAYMENT"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Safe and secure - Macquarie Authenticator adds an extra layer of customisable security to your banking"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Manage Banking Online"
      },
      {
        "featureType": "GUARANTOR"
      }
    ],
    "fees": [
      {
        "name": "Establishment fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "additionalInfo": "≤$3m up to 0.50% of limit >$3m available (& negotiable) on application",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "currency": "AUD",
        "variable": {}
      },
      {
        "name": "Line fee or unused limit fees",
        "feeType": "PERIODIC",
        "feeMethodUType": "variable",
        "additionalInfo": "Line fee or unused limit fees may apply and are available on application.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "additionalValue": "P6M",
        "currency": "AUD",
        "variable": {}
      },
      {
        "name": "Registration, Government Transaction charges & third party fees",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "additionalInfo": "Registration, Government Transaction charges & third party fees may apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/broker/commercial-broker/commercial-lending-guide.pdf",
        "currency": "AUD",
        "variable": {}
      }
    ]
  }
}