FINANCE OPTIONS

^£100k Business Overdraft - Apply Now

Q: What is the typical borrowing range for a business overdraft?

Business overdraft limits generally range from £5,000 to £1,000,000, depending on your business turnover, credit history, and collateral for secured facilities. The offered amount will be tailored to your business’s financial profile and the specific type of overdraft applied for.

Q: How quickly can I access funds with a business overdraft?

After approval, funds from a business overdraft are usually available immediately. The decision process can take between 3 and 14 days, depending on your application completeness and the type of overdraft chosen.

Q: What interest rates are charged on business overdrafts?

Interest rates on business overdrafts typically start from 3% to 15% above the base rate, depending on factors like credit score, collateral, and economic conditions. Additional setup or annual review fees may apply depending on lender terms.

Q: Are there different types of business overdrafts available?

Yes, UK SMEs can access secured business overdrafts, unsecured overdrafts, and revolving credit facilities. Each option varies in eligibility, limit size, required security, application time, and suited business type.

A £100k business overdraft is a flexible credit facility that lets UK SMEs temporarily overdraw their business account up to an agreed limit. This option is especially valued for its ability to solve short-term cash flow problems and manage expenses during periods of fluctuating revenue. Many businesses use business overdrafts as a practical tool for covering unexpected outgoings and smoothing operational cash flow, without entering a long-term loan commitment. Overdrafts provide easy, on-demand access to funds, helping companies handle day-to-day costs efficiently.

Secure up to £100,000 in £ Business Overdraft with Funding Agent.

Secure up to £1,000,000 in Secure up to £100,000 in £ Business Overdraft with Funding Agent. with Funding Agent.

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Loan disbursed within 24 hours
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Key ^Benefits of a Business Overdraft

Business overdrafts offer unique advantages over traditional loans. They allow you to borrow as needed, pay interest only on the amount used, and support cash flow management. Flexible facility limits, competitive rates, and rapid decision times make overdrafts a valuable option for handling financial fluctuations, giving businesses greater control and peace of mind.

Liquidity support

Flexibility in financing

Manage cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Facilities

Secured Business Overdraft

This overdraft type requires collateral and is suitable for businesses with valuable assets. It typically covers higher amounts, making it ideal for firms needing significant flexibility.

Secured Business Overdraft

Secured business overdrafts offer facilities from £10,000 to £500,000, subject to an annual review. They require collateral and a good credit history. The application involves assessing both the value of the collateral and overall financial health. Sectors like manufacturing and retail often benefit from this option when managing cash flow through asset-backed security.

Unsecured Business Overdraft

This option requires no collateral but does rely on a strong credit history and steady cash flow. It suits businesses needing rapid access to extra funds for day-to-day operations.

Unsecured Business Overdraft

Unsecured business overdrafts range from £5,000 to £100,000, with fast approval in 3 to 5 business days. Lenders focus on creditworthiness and recent financial statements. This option fits service industries and start-ups looking to bridge seasonal demand or cover unforeseen expenses without securing business assets.

Revolving Credit Facility

A revolving credit facility is designed for established businesses with a solid track record that need ongoing, flexible funding for larger transactions or growth opportunities.

Revolving Credit Facility

Facilities typically range from £50,000 to £1,000,000, reviewed annually. Approval involves comprehensive financial analysis and is best suited to sectors like wholesale and hospitality that experience frequent high-volume transactions. The flexible nature means you can draw and repay funds as required within the set limit, making it well-adapted to dynamic business demands.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Apply for a Business Overdraft via Funding Agent

Submit Application

Provide your up-to-date financial statements and specify your online application form overdraft requirements. This helps Funding Agent match your needs with available lenders quickly.

Compare Offers

Review tailored overdraft options from a wide range of UK finance providers, assessing how each facility fits your business.

Select and Finalise

Choose the best offer, then complete any remaining formalities with the lender to activate your business overdraft facility.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What is the typical borrowing range for a business overdraft?

How quickly can I access funds with a business overdraft?

What interest rates are charged on business overdrafts?

Are there different types of business overdrafts available?

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^£100k Business Overdraft - Apply Now

Key ^Benefits of a Business Overdraft

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Facilities

Secured Business Overdraft

Secured Business Overdraft

Unsecured Business Overdraft

Unsecured Business Overdraft

Revolving Credit Facility

Revolving Credit Facility

Typical Funding Journeys on Funding Agent