^£150k Business Overdraft – Apply Now

Secured business overdrafts are ideal for companies willing to provide assets as security for higher borrowing limits—typically £50,000 to £250,000. A strong credit history and established trading track record are needed. Interest rates generally fall between 4% and 12% per annum. Sectors with heavy inventories, such as retail or manufacturing, often benefit from this solution. Application takes one to two weeks and involves comprehensive security and credit checks.

Unsecured business overdrafts are suitable for established SMEs with reliable cash flow and credit profiles. Facilities tend to range from £10,000 to £100,000, with interest rates between 6% and 15% per year, reflecting risk level. The approval process is faster—typically two to five days—making it ideal for covering cash flow gaps or short-term working capital needs.

Flexible business overdrafts can be negotiated to suit unique cash flow patterns or project-based revenue. Facilities of £25,000 to £150,000 are common. Requirements may include a solid business plan and trading history. These overdrafts provide variable interest rates and are reviewed at the lender’s discretion. Application times often range from one week to ten days and support businesses experiencing fluctuating income.