FINANCE OPTIONS

^£750k Business Overdraft - Apply Now

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

Typical business overdraft limits range from £5,000 to £2,000,000, depending on your company’s size, financial health, credit rating, and, if secured, the value of available collateral.

Q: How long does it take to get a decision and funding?

Initial lender decisions are generally made within 3 to 10 business days. If approved, you can usually access funds in 1 to 2 weeks, subject to document completion and application complexity.

Q: What are the usual interest rates and fees?

Interest rates on business overdrafts range from 3% to 9% above base, based on your credit profile, collateral, and product type. Arrangement, renewal, and usage fees may also apply.

Q: Are there different types of business overdrafts?

Yes. Options include secured business overdrafts (backed by assets), unsecured business overdrafts (no collateral required), and business lines of credit (flexible revolving finance).

A £750k business overdraft is a flexible credit facility linked to your company’s bank account. It allows you to withdraw beyond your current balance, up to an agreed limit, to provide immediate working capital. This solution is ideal for managing short-term cash flow, dealing with unexpected expenses, and smoothing seasonal variations. Unlike a standard business loan, you only pay interest on funds actually used, and there’s no need for a new application each time you need extra capital.

Secure up to £750,000 in £ Business Overdraft with Funding Agent.

Secure up to £1,000,000 in Secure up to £750,000 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

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Key ^Benefits of a Business Overdraft

Business overdrafts can offer practical and cost-effective ways to manage cash flow. They are designed for speed and flexibility, giving you access to funds at short notice. Rates and approval speed depend on your business profile, collateral, and chosen overdraft structure. Here are three main benefits:

Improved cash flow

Flexible repayment options

Quick access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Facilities

Secured Business Overdraft

Offers higher limits, usually from £10,000 to £2,000,000. Requires property or major assets as collateral and is best for companies with solid credit.

Secured Business Overdraft

Secured business overdrafts are approved based on the value of assets pledged as collateral, such as property or key equipment. Rates are typically 3% to 6% above base, reflecting lower risk to lenders. The process involves submitting financials and asset details, with limits and pricing linked to collateral and creditworthiness. Reviews usually take 1 to 2 weeks, and the facility is annually assessed for renewal.

Unsecured Business Overdraft

Does not require collateral and is available for facilities between £5,000 and £250,000. Relies on solid trading history and a strong credit profile.

Unsecured Business Overdraft

Unsecured business overdrafts are suitable for businesses lacking physical assets for security. Approval is based on company credit score, profitability, and financials. Typical pricing ranges from 6% to 9% above the base rate. Applications are assessed within 3 to 7 business days, offering a swift way to manage cash flow or short-term funding gaps at modest borrowing levels.

Business Line of Credit

Functions as a revolving credit line, generally from £25,000 to £500,000, for businesses with an established track record and strong financials.

Business Line of Credit

A business line of credit provides ongoing, flexible finance to support project-based needs, seasonal changes, or small growth initiatives. Eligibility depends on demonstrating profitability and good credit. Rates fall in the 4.5% to 8.5% margin above the base. Approvals usually take 1 to 3 weeks and require detailed financial reviews. Facilities are reviewed annually for renewal.

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 Access a Business Overdraft with Funding Agent

Submit Application

Share your business’s recent financials, cash flow details, and overdraft requirements using our secure online application form platform.

Review Offers

Compare tailored overdraft options from multiple UK lenders side by side, focusing on terms that best fit your business needs.

Get Funded

Select your preferred option and provide any required documents. The lender finalises checks before quickly releasing 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 limit for a business overdraft?

How long does it take to get a decision and funding?

What are the usual interest rates and fees?

Are there different types of business overdrafts?

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^£750k Business Overdraft - Apply Now

Key ^Benefits of a Business Overdraft

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Facilities

Secured Business Overdraft

Secured Business Overdraft

Unsecured Business Overdraft

Unsecured Business Overdraft

Business Line of Credit

Business Line of Credit

Typical Funding Journeys on Funding Agent