FINANCE OPTIONS

^£650k Business Overdraft – Apply Now

Q: How much can my business borrow through a £650k Business Overdraft?

Typical borrowing limits for business overdrafts range from £10,000 up to £5,000,000. The exact amount available will depend on your business’s financial position, creditworthiness, and, for secured facilities, the value of assets you can offer as collateral.

Q: How quickly can funds from a business overdraft be accessed?

Approval times can be as short as three days for unsecured options, with funds available from the same day to a week after approval. More complex or secured facilities can take up to two weeks to process, depending on the completeness of your application and asset checks.

Q: What are the typical interest rates and fees for this facility?

Interest rates generally range from 4% to 15% per annum, depending on the type of overdraft, your business credit score, and whether you provide collateral. You may also be charged arrangement or renewal fees, plus usage charges depending on the lender’s terms.

Q: Are business overdrafts regulated and what should I review before applying?

Business overdrafts are regulated by the Financial Conduct Authority (FCA). You should review all terms, including fees, interest rates, and renewal conditions, and clarify any additional requirements for secured options before committing.

A £650k Business Overdraft is a flexible credit facility that links directly to your business bank account, enabling access to extra funds up to a set limit. Designed to address variable cash flow needs and short-term financial gaps, it helps manage operating expenses and unexpected costs. Common benefits include quick access to working capital, adaptable credit limits, and reduced need for rigid loan planning. This overdraft option is popular with SMEs seeking prompt, flexible solutions to everyday business finance challenges.

Secure up to £650,000 in £ Business Overdraft with Funding Agent.

Secure up to £1,000,000 in Secure up to £650,000 in £ Business Overdraft with Funding Agent. with Funding Agent.

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Key ^Benefits of a £650k Business Overdraft

Choosing a business overdraft provides genuine flexibility by adapting to your company’s needs. Decision times can be as quick as three days, and you’re only charged interest on what you draw. Rates typically fall between 4% and 15% per annum, and lending decisions are based on creditworthiness and, where relevant, collateral strength.

Improved cash flow

Flexible financing option

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Facilities

Secured Overdraft

Secured overdrafts use valuable business assets as collateral, often allowing higher or more flexible limits. Typically for amounts between £50,000 and £5,000,000.

Secured Overdraft

A secured overdraft is suited for businesses with assets they are prepared to offer as security. The lender needs to value and confirm these assets before agreeing terms. The security provided means lower interest rates (4% to 10% per annum) can apply, but the process, which includes detailed financial checks and asset valuation, takes about one to two weeks. This facility is regularly reviewed, usually on an annual basis, and benefits businesses needing larger overdraft limits.

Unsecured Overdraft

Unsecured overdrafts are available to businesses with a solid credit record and stable income, with limits from £10,000 to £250,000.

Unsecured Overdraft

Unsecured overdrafts don’t require asset collateral but do demand a strong credit history and well-documented finances. Limits are lower than secured types, and interest is higher, generally 6% to 15% per annum. Approval can be swift, with decisions often made within three to seven business days. This type suits businesses needing responsive support that may not have significant assets.

Flexible Overdraft Facility

This facility adapts to variable business needs, with credit limits and terms tailored to match cash flow cycles or seasonal demand. Limits typically range from £20,000 to £1,000,000.

Flexible Overdraft Facility

Flexible overdraft facilities are negotiated to suit businesses whose funding needs fluctuate throughout the year. The arrangement process is bespoke, relying on detailed financial forecasting and seasonal discussion with the lender. These may involve arrangement fees, with interest rates between 5% and 12% per annum. Decision times are two to four weeks, with the ability to modify limits in line with changing requirements.

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 Get a Business Overdraft with Funding Agent

Submit Inquiry

Share your key business details, including financials via our online application form, so we can start matching you with suitable business overdraft options.

Compare Offers

Review overdraft offers tailored to your eligibility and business requirements, all in one place.

Select and Apply

Choose the right offer, submit any additional documentation required, and proceed to complete your application directly with the lender.

Get Funding For your business

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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 my business borrow through a £650k Business Overdraft?

How quickly can funds from a business overdraft be accessed?

What are the typical interest rates and fees for this facility?

Are business overdrafts regulated and what should I review before applying?

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^£650k Business Overdraft – Apply Now

Key ^Benefits of a £650k Business Overdraft

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Facilities

Secured Overdraft

Secured Overdraft

Unsecured Overdraft

Unsecured Overdraft

Flexible Overdraft Facility

Flexible Overdraft Facility

Typical Funding Journeys on Funding Agent