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Overdrafts for flexible, short-term finance

Apply for a business overdraft to help you manage changes to your cashflow.

If you’re already a Barclays current account customer, check to see if you have a provisional loan limit before you apply4 – without affecting your credit rating. Just log in to Online Banking.

Key features and benefits

If you need convenient access to short term borrowing fast, then a business overdraft could be right for you2, 3.

Flexible borrowing

You can apply to increase or decrease your overdraft limit as your business needs change.

Get cashflow support

Pay for stock and other costs without waiting for your sales income.

Minimise borrowing costs

Only pay interest on overdrawn balances, which you can repay any time.

What you need to know

Barclays business overdraft 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 Bank Rate. If your facility is aligned to a floating reference rate and that rate becomes less than 0%, then it will be deemed to be 0%. The total interest rate charged for that facility will never be less than the facility margin*.
  • 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

*Please note that Barclays doesn't provide advice or recommendations on your choice of financing solution. If you require advice please contact an independent financial adviser.

Ready to apply or want to find out more?

Have a Barclays current account?

You may already have a provisional loan limit in Online Banking if you’ve registered to use it1

Barclays customers

Lines are open Monday to Friday, 8am-7pm1

0345 605 2345

New to Barclays?

Lines are open Monday to Friday, 8am-7pm1

0800 515 462

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Important information

  1. Lines are open Monday to Friday, 8am to 7pm. To maintain a quality service, we may monitor and record phone calls. Call charges
  2. 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. We offer a fair appeal process should you feel we've not taken all your circumstances into consideration. To find out more click here .
  3. 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
  4. Not all customers can apply for a Barclayloan for Business or view their provisional loan limit online. Certain restrictions apply. Contact us to discuss your options.