FINANCE OPTIONS

^£800k Business Overdraft – Apply Now

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

For business overdrafts, limits typically range from £30,000 to £5,000,000. The specific amount your business can access depends on your annual turnover, credit history, and whether you can offer collateral for a secured facility.

Q: How quickly can a business overdraft be arranged?

Initial decisions on business overdrafts commonly take from a few days to two weeks depending on the lender and completeness of your documents. Once agreed, funds are available for immediate use in your business account.

Q: What interest rate should I expect on a business overdraft?

Interest rates for business overdrafts usually range from 3% to 15% above the Bank of England base rate. The exact rate will depend on your business’s financial strength, credit profile, and the type of overdraft you choose.

Q: What types of business overdrafts are there?

There are secured overdrafts (for businesses with collateral), unsecured overdrafts (for those with good credit but no assets), and revolving credit facilities for firms with fluctuating or seasonal cash flow.

A £800k business overdraft is a flexible credit facility that lets UK SMEs withdraw more than their current account balance, up to a set limit. This product is designed to provide a financial buffer, so companies can manage short-term cash flow challenges, deal with unexpected expenses, or support working capital needs. With interest charged only on the amounts drawn, overdrafts can be a cost-effective tool for maintaining liquidity and ensuring smooth operations, helping businesses navigate peaks and troughs in their finances confidently.

Secure up to £800,000 in £ Business Overdraft with Funding Agent.

Secure up to £1,000,000 in Secure up to £800,000 in £ Business Overdraft with Funding Agent. with Funding Agent.

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Key ^Benefits of a Business Overdraft

Business overdrafts offer a specific set of financial advantages for UK SMEs needing to boost cash flow. They combine flexibility, control, and potential cost savings, with decisions possible in a few days or weeks depending on documents and lender. Typical interest ranges from 3% to 15% above the base rate, with funds available immediately after approval.

Increased cash flow

Flexibility in financing

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Options

Secured Overdraft

Requires substantial business assets or collateral and suits firms with a strong financial track record. Higher limits and lower rates are possible than unsecured options.

Secured Overdraft

Secured overdrafts are available for businesses with significant collateral such as real estate or equipment. Typical facilities start from £100,000 up to £5,000,000, with annual reviews. Businesses undergo credit assessments and collateral checks, and benefit from competitive rates, generally 3% to 7% above the Bank of England base rate. This product is often used for large stock purchases or bridging cash flow gaps for sizeable firms.

Unsecured Overdraft

Suits SMEs with a solid credit profile but no collateral to pledge. Ideal for managing everyday cash flow requirements quickly and with minimal paperwork.

Unsecured Overdraft

Unsecured overdrafts cater to SMEs with strong financials and credit history. Facilities usually range from £30,000 to £250,000, with interest rates set 5% to 15% above the Bank of England base rate. The application is straightforward, requiring bank statements and projections, and decisions often take a few days to a week. This is suitable for bridging gaps in receivables or small expansion costs.

Revolving Credit Facility

Designed for businesses with seasonal cycles or fluctuating cash flow, offering renewable, medium-term finance that lines up with turnover and trading needs.

Revolving Credit Facility

Revolving credit facilities are flexible solutions for businesses with regular cash flow variations. Limits run from £50,000 to £1,000,000 and terms are renewable every 1 to 3 years. Following financial reviews and credit assessments, the facility allows repeated draws and repayments based on the firm’s needs. Common uses include covering seasonal demand or bulk inventory purchases.

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

Getting a Business Overdraft with Funding Agent

Complete an Online Form

Share your business details and overdraft needs via our short, secure online application form so we can assess your options quickly.

Receive Overdraft Options

We’ll present you with matched overdraft offers from UK lenders based on your eligibility and business profile.

Choose and Apply

Compare your options, select your preferred facility, and apply directly to your chosen lender through our platform.

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 a business overdraft be arranged?

What interest rate should I expect on a business overdraft?

What types of business overdrafts are there?

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^£800k Business Overdraft – Apply Now

Key ^Benefits of a Business Overdraft

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Options

Secured Overdraft

Secured Overdraft

Unsecured Overdraft

Unsecured Overdraft

Revolving Credit Facility

Revolving Credit Facility

Typical Funding Journeys on Funding Agent