FINANCE OPTIONS

^£200k Business Overdraft - Apply Now

Q: How much can I borrow with a business overdraft?

You can typically borrow between £5,000 and £1,000,000 with business overdrafts, depending on your turnover, credit history, and the type of overdraft—secured options usually enable larger facilities.

Q: How quickly can I access funds with a £200k business overdraft?

Decisions are usually made within 3 to 14 days, depending on your application and the overdraft type. Once approved, funds are immediately available within your business account.

Q: What are the typical rates and costs for a £200k business overdraft?

Rates generally range from 3% to 12% over the base rate. You may also face setup and annual review fees, plus extra charges for exceeding your agreed overdraft limit.

Q: Do I need collateral for a business overdraft?

Secured business overdrafts require business assets as collateral, while unsecured overdrafts do not. However, unsecured options typically have higher interest rates and lower limits.

A £200k Business Overdraft provides a flexible credit facility directly linked to your business’s current account. This type of finance allows you to borrow up to your limit when you need to, making it ideal for managing cash flow and tackling short-term funding needs. Businesses use overdrafts to bridge gaps in revenue, address seasonal fluctuations, or cover unexpected costs. Key benefits of a business overdraft include fast access to funds, adaptable borrowing, and effective cash flow management—making it a practical tool for many UK SMEs.

Secure up to £200,000 in £ Business Overdraft with Funding Agent.

Secure up to £1,000,000 in Secure up to £200,000 in £ Business Overdraft with Funding Agent. with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of a £200k Business Overdraft

A business overdraft offers flexible access to funds, supporting smooth operations when cash flow is tight. With set credit lines, you can respond rapidly to challenges or opportunities—without lengthy application processes. Overdrafts are typically quick to arrange, offer transparent pricing, and give confidence you can cover shortfalls as they occur.

Flexibility in funding

Improves cash flow

Supports growth initiatives

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdrafts Available

Secured Business Overdraft

Secured business overdrafts require collateral such as business assets and generally suit firms with a strong trading record, offering larger facilities and lower rates than unsecured options.

Secured Business Overdraft

A secured business overdraft typically lets you borrow between £10,000 and £500,000 and is available for 12 to 36 months, often with renewals. Lenders assess your credit and asset value, with approval usually taking 1 to 2 weeks. This type benefits sectors with fixed assets or inventory, providing lower interest rates for those meeting the eligibility requirements.

Unsecured Business Overdraft

Unsecured overdrafts do not require specific collateral but do rely on a strong credit score and stable revenue, making them ideal for businesses seeking flexibility without asset security.

Unsecured Business Overdraft

Unsecured business overdrafts range from £5,000 to £250,000 and are usually granted for up to 12 months, with quick decisions in 3 to 5 days. They’re suited to industries without significant assets but needing practical, fast-access funding for short-term operational demands. Interest rates are typically higher due to the lack of security—see our unsecured business loans guide for more detail.

Revolving Credit Facility

Revolving credit facilities operate similarly to overdrafts but at higher amounts, with flexible drawdown and repayment terms, tailored for established businesses with strong financials.

Revolving Credit Facility

This credit option allows borrowing from £50,000 to £1,000,000 over 12 to 60 months. Designed for businesses trading over three years with a robust financial profile, approval takes 2 to 4 weeks. It supports organisations handling large purchase orders, scaling up, or investing in projects, bridging gaps from irregular cash flows at a competitive rate using a revolving credit facility.

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 with Funding Agent

Assess Your Needs

Decide on the amount you require and define how your business will use the overdraft by completing our online application form, so you can target the most appropriate type of facility.

Complete Application

Provide your business and financial details through our simple form. We will use this information to match you with the right lenders in our network.

Receive Offers

Review and compare offers from lenders, considering rates, terms, and funding speed. For guidance on choosing the best deal, see our guide to comparing offers and select the option that aligns with your needs.

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

How much can I borrow with a business overdraft?

How quickly can I access funds with a £200k business overdraft?

What are the typical rates and costs for a £200k business overdraft?

Do I need collateral for a business overdraft?

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June 30, 2025

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^£200k Business Overdraft - Apply Now

Key ^Benefits of a £200k Business Overdraft

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdrafts Available

Secured Business Overdraft

Secured Business Overdraft

Unsecured Business Overdraft

Unsecured Business Overdraft

Revolving Credit Facility

Revolving Credit Facility

Typical Funding Journeys on Funding Agent