Business Overdraft Credit Facilities

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Business Overdraft Credit

Business Overdraft facilities can be used as a means of borrowing and a cash flow solution for a business. They can be used instead of business loans as you are only paying for the balance of the overdraft that you are using rather than funds that have not been deployed as yet. 

This means that you are only paying for funds you have borrowed against the overdraft. 

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At a Glance

What You Need

If you are applying for a substantial overdraft your bank might ask for this to be secured. It may be possible to arrange an informal overdraft increase if you have gone over your current overdraft limit.


 
What to Expect

The overdraft will provide you with easy to access funds and it's fairly simple to arrange. Ideal for emergency situations or a security net. Interest is only payable on the overdraft balance, and there is no set minimum to pay back on a monthly basis. You are free to repay the debt anytime you wish.


 
Watch Out For

Overdrafts tend to have higher interest rates than business loans. Non-payment of an overdraft facility can result in an adverse effect on your business’s credit report. There may also be annual fees applicable for the renewal of the facility.
The interest rate is often variable making it hard to account exactly for the cost and account for the interest payments.


 
We Can Help

If you have applied for an overdraft facility and have been unsuccessful, please give us a call. We might be able to help find a better option for you.


 

Together, We Go Far

Provide is an award-winning finance platform that instantly matches your loan enquiry with over 200 lenders who suit your specific criteria.

If you’re looking for Business Overdraft credit facilities, Provide offers support from application to full funding, giving you access to fintech powered resources and a helpful team of finance experts to make the process as simple as possible.

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If you want to explore other commercial finance options available you can either take a look at our Business Finance pages or connect with one of our financial experts.

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