Business Overdrafts

A business overdraft can come in particularly useful as a safety net for accessing working capital in times of need. It can also be a really good way of establishing a working capital buffer for when you need the cash quickly.

Business Overdrafts


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Business overdrafts - Features and benefits through Funding Options:

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  • Choose from secured and unsecured business overdrafts

  • Overdrafts can help you fund a range of requirements

  • Flexible agreements, affordable working capital

Business overdrafts - how do they work?

  • Business overdrafts work by allowing you to continue to access funds after your business' account balance falls below zero, giving you greater cash flow flexibility.

  • Business credits cards are an alternative to overdrafts, which work in a similar way to personal credit cards - but with features like expenses tracking and the ability to add employees to the same account.

  • Revolving credit facilities are very similar to overdrafts in the sense that they provide a consistent source of business funding with a pre-approved limit.

  • Merchant cash advances could be another viable option, allowing you to advance cash against your future card sales, with flexible repayments and the ability to top up once a portion of the advance has been repaid. 

Financial product information

Representative example*

7.63% APR Representative based on a loan of £50,000 repayable over 24 months. Monthly repayment of £2,252.94. The total amount payable is £54,070.56

*Some lenders may apply fees during the application process, please note that these are set and provided by these entities.

Annual Percentage Rate

Rates from 2.75% APR

Repayment period

1 month to 30 years terms

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