Business Overdraft Facilities — Flexible Cover for Cash Flow Gaps
A business overdraft gives you a revolving buffer against your transaction account, with interest charged only on what you draw. We run a full tender across 60+ lenders to find the right limit and structure for your business, at no cost to you.
Book a Free 15-Minute Finance AssessmentHow a Business Overdraft Works
- Revolving access — draw down and repay as needed, up to an approved limit, without reapplying each time.
- Interest on the drawn balance only — unlike a term loan, you're not paying interest on funds you haven't used.
- Secured or unsecured — a property-secured overdraft typically carries a lower rate and higher limit than an unsecured one.
- Built for short-term fluctuations — seasonal trade, payment timing gaps, or unexpected costs, rather than long-term funding needs.
The Questions Business Owners Are Asking
- What's the difference between an overdraft, a line of credit, and an unsecured business loan?
- What limit could my business realistically qualify for?
- Do I need to offer property security to get a competitive rate?
- My bank has offered to increase my overdraft — is that actually a good rate, or should I test the market?
- Is an overdraft the right tool for my situation, or would invoice finance or a term loan suit better?
Why Businesses Choose Glenclair Financial
We know what a competitive overdraft actually looks like.
Having worked inside major banks pricing these facilities, we know when an offer reflects your real risk profile and when it doesn't.
A full tender run on your behalf.
Rather than accepting your existing bank's first offer, we test the market across banks and non-bank lenders for a genuinely competitive limit and rate.
Advice on the right tool, not just the fastest one.
If your cash flow pattern is better suited to invoice finance or a line of credit, we'll say so rather than defaulting to an overdraft.
Zero cost to you.
We're paid by the lender as part of their standard costs. If we don't deliver clear value, you pay nothing.
Cash Flow Finance Solutions We Arrange
- Secured and unsecured business overdrafts
- Business lines of credit
- Invoice and debtor finance
- Trade and supply chain finance
- Working capital finance — see Working Capital Finance
Ready to Get the Right Cash Flow Cover?
One conversation can show you what limit and rate your business could genuinely secure across the market.
Book a free, no-obligation consultation with us today
Book a Free 15-Minute Finance Assessment