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Business overdraft

Cover any temporary funding shortfall

Unforeseen expenses are part of running a business. They’re practically impossible to avoid and can happen at any time. You can be prepared for any temporary funding shortfalls with our business overdraft.

Subject to eligibility and status. Applicants must be aged 18 years or over.

Please note that security may be required. Any asset used as security will be at risk if you break the agreement and may be sold to repay your debt.

Property given as security, which may include your home, may be repossessed if you don't keep up repayments on your mortgage or any other debt secured on it.

Representative example

10.2% representative Equivalent Annual Rate (EAR)* on unsecured overdrafts up to £25,000

Representative EAR
Interest rate p.a (variable)
2.5% establishment fee, minimum of £120

All overdraft facilities offered are subject to status. The rate offered may differ from the representative EAR shown. Interest is calculated daily and charged monthly.


  • Personal service from a relationship manager
  • Straight-forward interest rates and fee structures that are easy to understand
  • Revolving credit facility – use the overdraft whenever you need it

Alternative solutions

Important information

  • Interest rates can be found in the interest rates and charges section. Interest rates in respect of borrowing facilities are individually negotiated and the amount you are charged will depend on your circumstances. Interest is calculated daily and charged monthly.
  • This is a short-term facility covering terms up to a maximum of 12 months.
  • Other charges may apply. These may be individually negotiated – speak to a relationship manager for more information.
  • The overdraft is repayable on demand.
  • *EAR means Equivalent Annual Rate. It is the rate you would pay if you go overdrawn to the full limit of your overdraft. It takes into account the interest rate you are charged as a result and how often it's charged - in this case interest is calculated daily and charged monthly. Unarranged overdraft fees are charged separately. We provide the EAR to let you make comparisons against other overdraft products.
  • Representative EAR is an illustration of the rate that most customers will receive. We expect that the representative EAR or better will be offered to at least 51% of accepted applicants. Some customers may receive a different EAR based on individual circumstances.

Full terms and conditions apply and are available on request.

Next steps

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