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Business overdrafts

Men raising a goal post

Convenient access to borrowing, with flexibility over repayment

A business overdraft 3 4 can provide financial breathing space, by helping you pay for stock and other costs without waiting for sales income.

Why choose a business overdraft? 4

  • You need flexible or short term borrowing
  • Business growth requires working capital funding
  • Investing in stock could help improve profits
  • Suppliers need to be paid ahead of debtors paying you
  • You want to manage unexpected changes in cashflow

Key features

  • Increase or decrease your overdraft limit as circumstances change
  • Only pay interest on overdrawn balances, which you can repay at any time
  • Interest is calculated on daily overdrawn balances, at an agreed margin over the Bank of England Base Rate
  • Fees and interest are debited to your current account on the Bank’s usual charging dates (available on request) either monthly or quarterly in line with your current account tariff
  • Overdrafts are repayable on demand and typically reviewed annually
Overdrafts are subject to application and status

Looking to move your business banking to Barclays?

Find out how to switch bank accounts or call us today on:

0800 515 462 2

If you're an existing Barclays customer call now to speak directly to our lending specialists

0345 605 2345 1

Important information

1. Lines open Monday to Friday, 8am-7pm. To maintain a quality service, we may monitor and record phone calls. Call charges
2. Lines are open Monday to Friday 8am-7pm and Saturday 9am-1pm. To maintain a quality service, we may monitor and record phone calls. Call charges
3. Business overdrafts are subject to application and status. Security may be required. Financial information may be required to support your application for a new or renewed overdraft.
4. The Lending Code. Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. The Lending Code sets minimum standards of good practice when dealing with certain customers in the UK in relation to loans, current account overdrafts, charge cards and credit cards. Further details can be found at: Lending Standards Board