FINANCE OPTIONS

^Business Overdraft - Apply for Instant Approval

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

You can usually borrow from £1,000 up to £500,000, depending on your business’s credit history, financial health, and cash flow patterns. The exact limit set by the lender will depend on these factors and the type of overdraft you choose.

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

Decisions are typically made within 1 to 3 weeks after all supporting documentation is received. Once approved, funds become available immediately, subject to your bank’s processing times.

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

Interest rates usually range from 4% to 15% APR, based on credit score, security, and business stability. Additional fees may include arrangement and annual renewal charges. Always check terms before proceeding.

Q: What types of business overdraft are available in the UK?

UK businesses can access secured overdrafts (requiring assets), unsecured overdrafts (no collateral but stronger financials needed), and revolving credit facilities for ongoing working capital. The right type depends on your requirements and profile.

A business overdraft is a revolving credit line linked to your business bank account, providing immediate access to extra funds when you need them. This facility helps companies manage short-term cash flow fluctuations and unexpected expenses by allowing borrowing up to a set limit. Many UK businesses choose business overdrafts for their convenience, straightforward access, and flexibility. Common benefits include paying interest only on what you use and having a financial buffer to cover day-to-day needs without the long commitment of a loan.

Business Overdraft

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Key ^Benefits of a Business Overdraft

Business overdrafts deliver practical advantages for cash flow management and operational flexibility. With no fixed repayment schedule and interest calculated only on what you borrow, they offer responsive support when your business needs it most. Typical approval is within 1 to 3 weeks, and interest rates are competitive when matched to your circumstances.

Improves cash flow

Flexibility in funding

Cover unexpected expenses

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Business Overdraft Facilities

Secured Business Overdraft

Secured overdrafts require assets such as property as security, supporting larger borrowing limits. They suit businesses with strong credit histories and higher capital needs.

Secured Business Overdraft

A secured business overdraft allows for borrowing between £10,000 and £500,000, with terms typically reviewed annually. The process involves offering security, preparing financial statements, and undergoing a detailed credit assessment. Approval generally takes one to two weeks. This solution is ideal for companies facing significant operational expenses or larger cash flow gaps, common in sectors like construction and manufacturing.

Unsecured Business Overdraft

Unsecured overdrafts are suitable for established businesses with strong financials but do not require collateral. They offer quick access, generally with smaller limits.

Unsecured Business Overdraft

With lending amounts from £1,000 to £50,000, unsecured business overdrafts are generally reviewed annually. The application involves providing business financials and a credit check, often delivering a response within a week. While interest rates range from 8% to 15% APR due to the lack of security, this facility is a good fit for managing seasonal working capital needs, especially in retail or hospitality settings.

Revolving Credit Facility

Revolving credit facilities operate like ongoing overdrafts, supporting regular short-term finance and adaptable to cyclical or seasonal requirements.

Revolving Credit Facility

This type of facility offers borrowing of £5,000 to £250,000, with ongoing access and annual reviews. Application involves submitting detailed financial documentation to show credit history and repayment capability, with the set-up taking up to three weeks. Revolving credit is ideal for businesses with cyclical cash flows, such as those in wholesale or import/export sectors, needing reliable access to working capital.

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

Complete Online Form

Provide details about your business and what you need on Funding Agent’s secure platform in our online application form to get started with your overdraft enquiry.

Receive Offers

See tailored business overdraft options from approved lenders, each matched to your business profile and cash flow situation.

Select and Apply

Compare the available offers, choose the most suitable one for your needs, and submit the required documentation to complete your application.

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 I borrow with a business overdraft?

How long does approval for a business overdraft take?

What interest rates and fees apply to business overdrafts?

What types of business overdraft are available in the UK?

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January 28, 2026

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^Business Overdraft - Apply for Instant Approval

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

Revolving Credit Facility

Revolving Credit Facility

Typical Funding Journeys on Funding Agent