Business Overdrafts
Flexible cash flow support to keep your business moving – when and where it counts.
Good finance is good for business
A business overdraft isn’t just a backup plan—it’s a smart way to manage the day-to-day ups and downs of running a business. Whether it’s covering a shortfall, waiting on late invoices, or seizing a time-sensitive opportunity, an overdraft facility gives you flexible access to extra funds when you need them most.
What Is a business overdraft?
A business overdraft is a credit facility attached to your business transaction account, allowing you to draw beyond your available balance up to a pre-approved limit. You only pay interest on the amount used, not the total limit—making it a cost-effective safety net for managing unexpected expenses or temporary cash flow gaps.
When to use a business overdraft
Business overdrafts are ideal for:
- Covering short-term cash flow shortages
- Managing seasonal fluctuations in income
- Paying wages or bills before income hits your account
- Purchasing stock or supplies ahead of incoming revenue
- Cushioning your business against payment delays
- Taking advantage of time-sensitive discounts or bulk buys
Benefits of a business overdraft
- Only pay interest on what you use
- No need to reapply—revolving facility stays in place
- Flexible repayment structure
- Access funds instantly through your business account
- Can be unsecured or secured, depending on your business
- Improves liquidity without locking you into a fixed loan
Our process – simple, fast & strategic
Quick application
Get started with a fast online or phone enquiry
Same-day decision
We’ll review your eligibility and provide a quick answer
Facility approval
Choose your limit and repayment preferences
Access funds anytime
Funds become available in your business account instantly
Things to consider
- Interest is charged daily on the overdrawn amount
- Limits are subject to business income and risk assessment
- Fees may apply for facility setup or exceeding your limit
- Unused overdraft amounts still require annual review
It’s important to align your overdraft facility with your business’ cash flow patterns, income cycles, and long-term financial strategy. Our team can guide you through what works best for your goals and risk profile.
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