FINANCE OPTIONS

^£900k Business Overdraft - Apply Now

Q: What borrowing amounts are available with a business overdraft?

Business overdrafts typically range from £10,000 to £2,000,000. The exact amount offered depends on your business’s size, creditworthiness, and whether collateral can be provided for a secured facility.

Q: How long does approval for a business overdraft take?

Business overdraft decisions usually take between one and four weeks, depending on the lender’s assessment process and the completeness of your application. Funds are often available within one to two weeks after approval.

Q: What interest rates and fees should I expect?

Interest rates for business overdrafts generally range from 4% to 15% above the base rate. Arrangement or annual review fees may also apply, depending on the lender’s terms and the facility type.

Q: What types of business overdrafts are there?

The main types are secured business overdrafts (requiring collateral), unsecured business overdrafts (based on credit rating), and revolving overdraft facilities with ongoing access and monthly reviews.

A £900k business overdraft is a flexible credit facility attached to your company’s current account, giving you the ability to access extra funds up to an agreed limit. UK businesses use business overdrafts to manage cash flow, cover short-term expenses, or seize urgent opportunities without a lengthy approval process for each withdrawal. Interest is only paid on the amount actually used, which helps businesses control borrowing costs and maintain liquidity during unpredictable periods.

Secure up to £900,000 in £ Business Overdraft with Funding Agent.

Secure up to £1,000,000 in Secure up to £900,000 in £ Business Overdraft with Funding Agent. with Funding Agent.

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Key ^Benefits of a Business Overdraft

Business overdrafts provide tailored features for managing cash flow effectively and give your business financial agility. Compared to other borrowing, overdrafts offer specific advantages such as only paying interest on amounts used and the flexibility to increase or decrease usage at short notice. Here are three important benefits to consider when seeking a £900k business overdraft:

Improves cash flow

Flexible repayment terms

Handles unexpected expenses

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdrafts

Secured Business Overdraft

A secured business overdraft requires property or valuable assets as collateral and is often available in larger amounts. It typically suits established businesses with assets and a strong credit record.

Secured Business Overdraft

Secured business overdrafts involve pledging assets to support the facility. Lending amounts generally range from £50,000 to £2,000,000, with terms reviewed annually. The process includes a valuation of collateral and a full financial assessment, which may take two to four weeks. Common use cases include managing substantial cash flow needs, purchasing large stock orders, or funding business expansion in sectors like manufacturing or construction.

Unsecured Business Overdraft

Unsecured business overdrafts are based on the credit strength of the business, without collateral. These suit businesses with a stable trading history and predictable income streams.

Unsecured Business Overdraft

With unsecured overdrafts, no collateral is needed but a strong credit rating and financial health are essential. Facilities typically range from £10,000 to £100,000. Applications are reviewed annually and credit decisions are made in one to two weeks. They are commonly used to meet unexpected expenses and short-term liabilities, particularly in service and retail sectors.

Revolving Overdraft Facility

A revolving overdraft facility offers ongoing, flexible access to credit with regular reviews based on account activity. Ideal for managing recurring cash needs.

Revolving Overdraft Facility

Revolving overdraft facilities require a robust financial standing and a consistent income stream. Lending amounts range from £20,000 to £500,000. These accounts are reviewed monthly, allowing for flexibility as needs change. This type suits wholesale and hospitality businesses needing adaptable, continuous working capital support.

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

Complete the Enquiry

Fill out our online application form with your business details and the overdraft amount and features you require. Be ready to provide recent financial statements.

Compare Lenders

We present tailored overdraft offers from multiple lenders, so you can review and compare interest rates, terms, and facility features in one place.

Choose Your Overdraft

Select the best fit for your business. Once approved, complete any final steps with the lender to set up and access your business overdraft facility.

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 borrowing amounts are available with a business overdraft?

How long does approval for a business overdraft take?

What interest rates and fees should I expect?

What types of business overdrafts are there?

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^£900k 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 Overdraft Facility

Revolving Overdraft Facility

Typical Funding Journeys on Funding Agent