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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.

Minimum overdraft is $20,000.

Variable interest rate with interest calculated on daily balances and charged monthly.

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.

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.

Hear from one of our customers

Tom Ashby of North Ashrose Merino Stud, South Australia, is developing new technology to improve efficiency in sheep yards. We understand the value this will bring to the industry and are there to support him.


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North Ashrose Merino Stud
North Ashrose Merino Stud

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Things you should know

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 660 115, online, or by contacting your local Rural Bank relationship manager.

Cheque facility is only available on accounts opened prior to 1 August 2023.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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