A lone chicken surrounded by grass in a field

Agricultural overdraft

Flexible options for short-term finance

Apply for an agricultural overdraft to help you manage changes to your cashflow.

Key features and benefits

If you need convenient access to short-term borrowing fast, then an agricultural overdraft could be right for you1,2.

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.


You can get a quote to see if you’re eligible for an agricultural overdraft without affecting your – or your business partner’s – credit rating.

You can get a quote if your agricultural business is a sole trader, partnership, limited company, charity, club or association.

What you need to know

  • You can increase or decrease your overdraft limit as your circumstances change
  • You only pay interest on overdrawn balances, which you can repay at any time
  • We calculate interest on daily overdrawn balances, at an agreed margin over the Bank of England base rate
  • We’ll debit fees and interest from your current account on our 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

Ready to apply or want to find out more?

To find out more, or if you want to apply for an agricultural overdraft, speak to our team of dedicated Agriculture Managers.

Don't bank with us yet?

Call us on 0800 515 462. Lines are open Monday to Friday, 9am to 5pm3.

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