FINANCE OPTIONS

^£350k Business Overdraft - Apply Now

Q: What amounts are available for a business overdraft?

Overdraft facilities typically range from £10,000 to £500,000 for UK SMEs. The exact amount depends on your business turnover, credit profile, and whether you provide security or apply on an unsecured basis.

Q: How long does it take to get a business overdraft?

Decision times for business overdrafts range from 3 to 14 days, depending on the lender, application completeness, and whether the facility is secured or unsecured. Funds are typically released within a week after approval.

Q: What are the typical interest rates and fees?

Interest rates for business overdrafts usually fall between 3% and 10% above the base rate. Additional charges, like arrangement or renewal fees, may also apply depending on lender terms.

Q: Are business overdrafts regulated in the UK?

Yes, business overdrafts are regulated by the Financial Conduct Authority (FCA). Lenders must provide clear documentation about the facility’s terms and fees, and anti-money laundering checks are carried out during application.

A £350k Business Overdraft is a flexible finance facility that lets UK SMEs access additional funds beyond their account balance, up to a set limit, to address cash flow fluctuations. This short-term solution is invaluable for covering unexpected outgoings, bridging funding gaps, and providing working capital precisely when it’s needed. Common benefits include rapid access to funds, only paying interest on what you use, and the flexibility to respond quickly to changing business needs—making overdrafts a practical safety net for day-to-day operations.

Secure up to £350,000 in £ Business Overdraft with Funding Agent.

Secure up to £1,000,000 in Secure up to £350,000 in £ Business Overdraft with Funding Agent. with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

Key ^Benefits of a Business Overdraft

Business overdrafts offer unique advantages for managing company finances. With faster approval timelines than many other finance types, competitive rates based on your situation, and the ability to borrow flexibly, UK SMEs can maintain cash flow control without long-term commitments. From quick decision times to only paying interest on what you draw, here’s how a business overdraft supports your goals.

Improves cash flow

Flexible repayments

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdrafts

Secured Business Overdraft

Uses business assets as security and is best for established SMEs with valuable assets. Typical limits range from £50,000 to £500,000, over 6 to 24 months.

Secured Business Overdraft

Secured business overdrafts require assets like property or inventory as collateral. Banks review asset values and business finances before setting limits, often between £50,000 and £500,000. The process takes 1 to 2 weeks, and rates are usually 3% to 6% above base. Suitable for bigger purchases or unexpected expenses in sectors like manufacturing or retail.

Unsecured Business Overdraft

Requires a robust credit history without needing assets as security. Facility sizes are usually £10,000 to £250,000, with terms up to 12 months. For details, see unsecured business loans.

Unsecured Business Overdraft

Unsecured business overdrafts are based on your creditworthiness and business performance rather than collateral. Decisions typically take 3 to 5 business days, with rates from 5% to 10% above base. They’re ideal for businesses needing short-term support due to seasonal dips or unexpected costs, including tech and hospitality firms.

Revolving Credit Facility

Best for businesses with stable revenues seeking ongoing access to capital. Learn more about limits over 12 to 36 months in our revolving credit facility guide.

Revolving Credit Facility

The revolving credit facility functions like an overdraft but provides continuous, renewable funding. It is designed for businesses with regular cash flow cycles and good financial health. Reviews occur periodically, with rates around 4% to 8% above base rate. Well-suited to wholesale, distribution, and healthcare.

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

Get a Business Overdraft with Funding Agent

Start Your Search

Enter your business’s financial requirements and preferences on the Funding Agent platform’s online application form to view a range of matching overdraft options from our lender panel.

Compare and Select

Review interest rates, limits, and terms to select the facility that best suits your needs and goals. Make informed decisions with transparent information.

Apply with Ease

Upload your required financial documents and submit your application through Funding Agent. We handle the submission to the lender and keep you updated.

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 amounts are available for a business overdraft?

How long does it take to get a business overdraft?

What are the typical interest rates and fees?

Are business overdrafts regulated in the UK?

DIVE DEEPER

July 24, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

Find all our resources

^£350k Business Overdraft - Apply Now

Key ^Benefits of a Business Overdraft

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdrafts

Secured Business Overdraft

Secured Business Overdraft

Unsecured Business Overdraft

Unsecured Business Overdraft

Revolving Credit Facility

Revolving Credit Facility

Typical Funding Journeys on Funding Agent