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Overdraft facilities allow businesses with solid credit histories to temporarily draw more funds than available in their account. Limits typically range from £1,000 to £250,000, with lending terms of 6 to 12 months, often renewable. These are suited for short-term cash flow challenges and unexpected expenses, especially in sectors with seasonal or unpredictable revenues. Applications involve credit checks and agreement on limits with your bank.

Businesses with strong sales ledgers can leverage invoice financing to release cash fast. You submit unpaid invoices, receive an advance of up to £1,000,000, and repay when your customers pay. This flexible facility is revolving, set by invoice collections, and is helpful for companies with steady billing but delayed payments. Decision times are rapid, with cash available in as little as 2 to 5 days after application.

Short-term loans are available from £10,000 up to £500,000 and require proof of creditworthiness, business accounts, and sometimes personal guarantees. The terms run from three months to three years, and rates start from 6% APR. They are suitable for businesses needing swift cash injections to cover payroll, purchase stock, or address other immediate business needs, with approval typically within 1 to 3 weeks.