April 14, 2026
Lists

Best £900k Business Overdraft Providers

Discover the best UK business overdraft providers offering up to £900,000. Compare rates, features, and find the best fit for your business finance needs.
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Best £900k Business Overdraft Providers
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best £900k Business Overdraft Providers

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-04-08.

1. Funding Agent

Funding Agent focuses on providing UK SMEs with an efficient way to compare various business finance options. It is suitable for businesses seeking straightforward eligibility checks and clear terms without collateral requirements. The service offers a quick application process with flexible loan types and repayment options to meet diverse business needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Barclays

Barclays specialises in bank business loans and overdraft facilities tailored for a range of business requirements. It is best suited for franchise buyers and SMEs needing predictable terms with options for collateral. Barclays offers generally quick decisions with varied borrowing options including overdrafts, suitable for long-term business finance.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 30 years

Services & Industries

  • Finance Types: Business Loans, Overdraft, Mortgages
  • Industries: Various industries

Pros

  • Quick approval
  • Variety of products

Cons

  • Higher rates possible for higher risk borrowers

Sources: Source

3. Lloyds Bank

Lloyds Bank provides a range of lending solutions for SMEs, including loans and overdrafts. It generally suits businesses requiring flexible terms with options for government-backed products. Lloyds focuses on tailored lending and may require assessment of security and business financials for larger amounts.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 25 years

Services & Industries

  • Finance Types: Business Loans, Overdraft
  • Industries: General Industries

Pros

  • Government-backed options
  • Flexible terms

Cons

  • Large loans require more scrutiny

Sources: Source

4. HSBC

HSBC offers commercial loan products intended for businesses seeking structured financial support. It suits SMEs focused on growth needing tailored loan features and repayment options. HSBC emphasises global reach with flexible structures but may have comparatively higher APRs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.3%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various industries

Pros

  • Global resources
  • Flexible loan structure

Cons

  • Higher APRs compared to competitors

Sources: Source

5. NatWest

NatWest focuses on delivering flexible loan and overdraft options for SMEs across the UK. It is suitable for businesses requiring competitive rates and varied repayment terms. NatWest offers services aimed at helping SMEs manage cash flow with adaptable lending products and no early repayment penalties.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years

Services & Industries

  • Finance Types: Business Loans, Overdraft
  • Industries: SMEs

Pros

  • No early repayment fees
  • Variable interest rates

Cons

  • Large volume required for custom plans

Sources: Source

6. Santander

Santander provides adaptable business loan options for a range of growing enterprises. It caters to those needing flexible lending solutions with consideration for diverse business sizes and sectors. Santander emphasises competitive rates but may involve detailed application procedures for larger amounts.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various industries

Pros

  • Accommodates various business sizes
  • Competitive rates

Cons

  • Complex application process for large cooperations

Sources: Source

7. Metro Bank

Metro Bank delivers a range of business loan products, focusing on personalised service and flexibility. It is typically suitable for smaller to medium-size enterprises requiring tailored repayment plans. Metro Bank offers loans with different finance types, aiming to accommodate diverse industry needs without extensive collateral.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £60,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 30 years

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: General Industries

Pros

  • Customer-centric service
  • Flexible terms

Cons

  • Limited maximum loan amounts

Sources: Source

8. TSB

TSB provides a broad selection of business finance options, including fixed and variable loan products for small to medium enterprises. It is suitable for businesses looking for transparent repayment schedules and a variety of lending solutions. TSB emphasises manageable eligibility requirements and a wide product range.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years

Services & Industries

  • Finance Types: Business Loans, Mortgages
  • Industries: Various industries

Pros

  • Fixed repayment amounts
  • Broad range of products

Cons

  • Stringent eligibility criteria

Sources: Source

9. RBS (Royal Bank of Scotland)

RBS (Royal Bank of Scotland) offers a variety of financial products as part of the NatWest Group, focusing on solutions for business stability and growth. It suits SMEs requiring flexible financing options with a mix of loans and overdraft facilities. RBS aims for comprehensive customer support and a diverse lending portfolio.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies

Services & Industries

  • Finance Types: Business Loans, Overdraft
  • Industries: Various industries

Pros

  • Comprehensive support
  • Diverse product offering

Cons

  • May have higher fees for larger requests

Sources: Source

10. Capify

Capify focuses on delivering rapid and flexible financing targeted at SMEs. It is appropriate for businesses needing quick access to funds with a variety of loan and merchant cash advance options. Capify offers adaptable repayment plans and aims for speedy service to meet diverse financial requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies

Services & Industries

  • Finance Types: Business Loans, Merchant Cash Advance
  • Industries: SMEs

Pros

  • Rapid approval
  • Flexible repayment

Cons

  • Higher interest rates

Sources: Source

How to choose

When selecting the best £900k business overdraft provider, consider the fit between loan size and business needs alongside APR and repayment flexibility. Evaluate eligibility criteria carefully and ensure the speed of access aligns with your cash flow requirements. Check whether collateral is needed, as this impacts risk and approval time. Understand the lender’s terms on fees and repayment options to avoid surprises. Comparing providers’ product range will help identify those suited for franchise buyers or SMEs with seasonal income fluctuations.

Conclusion

Choosing the right provider depends on your business scenario. Bank lenders like Barclays or NatWest suit those seeking stable, regulated options with established terms. Brokers such as Funding Agent can offer broader comparisons and faster initial guidance. Specialists like Capify may work best for rapid or flexible finance needs. For a loan close to 900 thousand pounds, it is essential to balance product features with your repayment ability. Funding Agent remains a useful starting point for comparing options across this spectrum.

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FAQs

What is a business overdraft?
How can I get an overdraft of £900k for my business?
Which banks offer £900k business overdrafts in the UK?
What are the typical interest rates for large business overdrafts?
Are there any fees associated with a £900k business overdraft?
Can I use a business overdraft for any purpose?

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2BarclaysBarclays offers business borrowing solutions including overdrafts and loans for a variety of business needs.£1,000–£100,000; 0%–0% APR; 1 to 30 years
3Lloyds BankLloyds offers tailored solutions for SMEs with various lending options, including term loans and overdrafts.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
4HSBCHSBC provides commercial loans and tailored financial products to support business growth globally and locally.£1,000–£25,000; 11.3%–0% APR; 1 to 10 years
5NatWestNatWest supports UK SMEs with a range of financial products, including flexible loans and competitive overdrafts.£25,001–£10,000,000; 0%–0% APR; 1 to 10 years
6SantanderSantander provides flexible business loans and financial solutions, tailored to the needs of growing businesses.£25,001–£0; 0%–0% APR; Varies
7Metro BankMetro Bank offers various business loans tailored for different needs, emphasizing personalized banking services.£2,000–£60,000; 0%–0% APR; 1 to 30 years
8TSBTSB offers a comprehensive range of business finance solutions including fixed and variable loans for SMEs.£1,000–£1,000,000; 0%–0% APR; 1 to 10 years
9RBS (Royal Bank of Scotland)As part of the NatWest Group, RBS offers financial products aimed at supporting business growth and stability.£0–£0; 0%–0% APR; Varies
10CapifyCapify specializes in fast, flexible finance with offerings targeting SMEs with diverse needs and rapid service.£5,000–£1,000,000; 0%–0% APR; Varies