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Short-term finance

A Rural Bank Seasonal Overdraft gives you access to daily working capital to cover cash flow shortfalls or to finance short-term production costs.

Features of our Seasonal Overdraft facility

Includes all the features and benefits of a Seasonal Account, including a Visa Debit card, Internet and Phone Banking, and optional cheque book.

Minimum overdraft is $20,000.

Variable interest rate.

You can use your land, stock, crop or wool as security.

No fixed or minimum repayments are required as long as the amount owing is below the agreed limit. This allows you to make repayments as you receive your farm proceeds.

Interest is calculated on daily balances and charged monthly.

We tailor our lending products to meet the repayment and cash flow requirements of your business. To find out more, including interest rates, arrange a meeting with one of our Relationship Managers.

How do I apply or find out more?

Contact your local Relationship Manager
Contact our customer service team
Visit your nearest branch

Seasonal Account

Why be limited by your seasonal income cycle? With a Rural Bank Seasonal Account you can have easy access to finance all year round.

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Information is subject to change. All applications for loans or credit are subject to normal lending criteria. Terms, conditions fees and charges apply and are available by phoning our Customer Service Team on 1300 660 116, online, or by contacting your local Rural Bank relationship manager.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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