• To grow your business you need capital.

    Alternative to Bank Overdraft. Up to  £1,000,000 within 48 hours!

Draw-down funds when your business needs them, and only pay for what you use!

Check If You Qualify?

Fill in your details and get an initial offer within 60 minutes.

Get Your Loan Offer
Apply in 5 minutes

Answer a few basic questions to get a firm loan offer.

Decision within 24 hours 

Documentation verification, followed by your loan facility sign-off.

Your Loan is Funded

Usually within  same business day after receiving all signed documents, funds can be drawn down.

How will your business benefit?

Maximum flexibility

Similar to a traditional bank overdraft, you'll have access to finance when you need it and with flexibility when it comes to payment options.

Transparency: Clear Costs

No surprises and clear costs.

No long-term commitment

Take advantage of the finance when you need it and pay it back over a period that suits you.

Funds on Demand

Your business pays for the funds you use - giving you flexibility and control.

How does your business overdraft work?

Whether you need to replenish your stock levels, invest in your latest product launch, or increase your marketing spend, our business overdraft facility could be perfect for you. It can even help you cover short term needs, such as when a debtor pays late. With the right finance option in place for you, you can ensure that your business continues along its growth trajectory and meets your goals. 
When you choose our business overdraft facility, you can choose to have the funds paid directly into your bank account or added to a BusinessPlus MasterCard to allow you to cover everyday purchases.
To be eligible for a Business Overdraft Facility, you need do need to meet a certain criteria:
No unsatisfied CCJs or defaults 
Suitable Personal Guarantee from all directors/principals of the business 
Get Your Business Overdraft

Is Your Business Eligible?

Business A: Example
Suited for a 12-month solution

One year or more of trading activity

Filed first set of accounts at
Companies house
Annual Turnover £100.000+-
Positive equity and net current assets
No previous business failures
No missed payments
Directors : UK Residents in the last 3 years
UK limited companies (excluding NI)

Business B: Example
Suited for a 24-months plus solution

Three years or more of trading activity

Acounts filed in last 15 months
Annual Turnover £500.000+
Profitable business, positive balance sheet
No defaults, either personal or commercial
No missed payments
Directors : UK Residents in the last 3 years
UK limited companies (excluding NI)

Business C: Example
​Not Eligible

One year since incorporation

No accounts filled at Companies house
Many recent loans in bank account
No  equity
Returned payments in business bank
Directors : poor personal credit
Directors : not UK Residents in the last 3 years
Outside UK companies 
Apply for a Business Overdraft

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