FINANCE OPTIONS

^£450k Business Overdraft - Apply Now

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

The amount available on a business overdraft usually ranges from £10,000 to £450,000. The actual limit depends on your business turnover, credit history, and whether any security is provided for the facility.

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

Decision times can be between 3 to 14 days, depending on the overdraft type and application details. Once approved, the funds are typically available in your business account within one day.

Q: What interest rates and fees apply to business overdrafts?

Interest rates for business overdrafts usually fall between 3% and 15% above the base rate. Some lenders may also charge setup fees and service fees if the overdraft is used for extended periods.

Q: Are all business overdrafts regulated in the UK?

Yes. Business overdrafts are subject to Financial Conduct Authority (FCA) regulations on responsible lending. Lenders must assess affordability and provide transparent terms and conditions.

A £450k business overdraft is a flexible credit facility linked to your business bank account, allowing you to withdraw funds up to an agreed limit even if your balance falls below zero. Businesses commonly use overdrafts to manage cash flow fluctuations, cover short-term expenses, or unlock working capital. With tailored limits and the ability to use funds as needed, a business overdraft can support operational continuity and help businesses respond quickly to immediate financial needs.

Secure up to £450,000 in £ Business Overdraft with Funding Agent.

Secure up to £1,000,000 in Secure up to £450,000 in £ Business Overdraft with Funding Agent. with Funding Agent.

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^Benefits of a £450k Business Overdraft

A business overdraft delivers practical financial flexibility with features suited to UK SMEs. Benefit from borrowing only what you need, rapid access to funds following approval, and the ability to better manage interest costs. Here are three key advantages for business owners considering a £450k business overdraft facility:

Improved cash flow

Flexible repayment options

Emergency funding source

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdrafts

Secured Business Overdraft

A secured business overdraft requires you to pledge collateral, such as property or equipment, to access higher limits and competitive rates. It suits businesses with valuable assets and strong credit profiles.

Secured Business Overdraft

With a secured business overdraft, your business provides collateral, which can increase the available limit—often ranging from £50,000 to £500,000. Lenders will assess your credit history and cash flow in detail. Approval typically takes 1 to 2 weeks, and interest rates vary from 3% to 12% above the base rate. Secured overdrafts are ideal for larger or asset-heavy businesses seeking substantial or longer-term facilities.

Unsecured Business Overdraft

An unsecured business overdraft doesn't require collateral and offers a quicker application. It is suitable for businesses with strong trading records and regular account activity.

Unsecured Business Overdraft

Unsecured overdrafts are accessible to companies with a good credit history and established trading. Typical limits fall between £10,000 and £250,000, with application decisions made in 3 to 5 days. Repayment terms span 6 to 12 months, and interest rates from 6% to 15% above the base rate apply. This type suits service-based firms and those with less physical collateral to offer.

Revolving Line Overdraft

Designed for ongoing cash needs, a revolving line overdraft lets you borrow, repay, and redraw within an agreed facility, supporting cyclical or seasonal funding requirements.

Revolving Line Overdraft

A revolving line overdraft is built for businesses with regular turnover or seasonal cash flow variations. Facilities typically range from £100,000 to £450,000 and terms last 12 to 36 months. The approval process takes 1 to 2 weeks, with interest charged at 4% to 10% above the base rate. This flexible solution is ideal for companies needing continuous access to working capital throughout the year.

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 Secure Your Overdraft with Funding Agent

Explore Options

Review a curated range of business overdraft facilities by accessing our online application form, filtering options based on your requirements and preferences.

Submit Application

Complete the straightforward online application, providing details about your business, financial health, and any necessary documentation.

Confirm Agreement

Once approved, check the terms, agree on the facility, and finalise arrangements with your chosen lender to access your funds.

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 long does it take to access a business overdraft?

What interest rates and fees apply to business overdrafts?

Are all business overdrafts regulated in the UK?

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June 6, 2025

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^£450k Business Overdraft - Apply Now

^Benefits of a £450k 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 Line Overdraft

Revolving Line Overdraft

Typical Funding Journeys on Funding Agent

How to Secure Your Overdraft with Funding Agent

Explore Options

Submit Application

Confirm Agreement

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

DIVE DEEPER

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