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.

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

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

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.

See if you’re eligible

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