Commercial Overdrafts

Instant Access to Cash

Release money immediately when cash flow tightens or unexpected costs arise.

Interest is charged only on the overdrawn balance, helping you manage costs effectively.

The funds can be used for any business expense, giving you freedom to manage cash flow your way.

Manage busy trading periods or quiet months with funding that flexes alongside your sales cycle.

Flexible Access to Working Capital

A commercial overdraft helps bridge short-term funding gaps by giving you immediate access to extra capital whenever your business needs it most.
Adapting Finance to Fit Your Trading Seasons

Short term working capital requirements are analysed to understand when support is most useful. Where suitable, a seasonal overdraft can be explored with limits that rise and fall throughout the year to reflect your trading cycle.
Reviewed Annually

Overdrafts are normally renewed each year. We'll review your business needs before each renewal to ensure the limit is assessed and continues to fit your cash flow needs and future plans.