A flexible short-term safety net for your business

Business Overdraft

Our Business Overdraft helps you prepare for the unexpected

Pay interest only on the amount you borrow

No set minimum to pay back each month

Ideal for unexpected bills or emergencies

Flexibility with your business overdraft during a Family First event

There’s a setup fee – see how this is calculated 


For existing NatWest customers for up to 12 months. After 12 months, we’ll contact you to review. Interested in our business current accounts? See the range.

What is a Business Overdraft?

It’s a flexible short-term lending option for businesses. 

A Business Overdraft works as a safety net for unexpected expenses. It gives you an extra buffer in those times when you’re waiting for payments from customers and might not have enough money in your account to cover incoming expenses.

Overdraft in detail

Flexible monthly payments

You can reduce your Business Overdraft by as much or as little as you want each month, with no set minimum pay back each month.

Borrow up to £50k unsecured (subject to credit approval)

If you have a relationship manager contact them about your borrowing needs. If you don't have one and wish to borrow up to £50k you can apply online. For more borrowing options, visit our loans page.

Boost cashflow and only pay interest on what you borrow

If you need a quick cash injection or help when an unexpected cost comes along, an overdraft is there if you need it. If you don’t use your Business Overdraft you won't pay any interest. Simple as that.

What are the costs?

You’ll only pay interest on the amount you borrow. But there is a setup fee that’s connected to the size of overdraft you apply for.

For overdrafts up to £500 the setup fee is £50. For overdraft limits from £501 -£1,500 its £100. 

For limits above £1,500 the setup fee is 1.5% of the limit or a minimum of £150. 

Take a look at our Overdraft Fact Sheets:

Usually for businesses with a turnover of under £2m view here (PDF, 186KB)

Usually for businesses with a turnover of over £2m view here (PDF, 183KB)

Useful info about our Business Overdraft

Apply for a Business Overdraft

As an existing customer you can log in using your Online Banking details and apply in less than 10 minutes. If approved, you could have the money within 24 hours.

If you have a Relationship Manager, give them a call.


Forgotten your details?



Don't have Online Banking? Register today. Alternatively, you can call us on 0345 711 4477 or start a Cora chat. 


Manage your overdraft

Looking to increase your limit?

As an existing customer you can log in using your Digital Banking details and apply in less than 10 minutes. If approved, you could have the new limit in 24 hours.

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Want to decrease your limit?

Use our online application form to decrease your limit. If you don't have Online Banking, you can also use it to apply for a new overdraft or increase.

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No longer need an overdraft?

Use our online application form to request a cancellation if you are no longer actively using your overdraft.

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How much do you want to borrow?

Business Overdraft Calculator

Min value Max Value

Please note. You can only check rates up to £25,000.

Business Overdraft available over 12 months only.


  • Interest on your account is calculated daily, based on your end of day balance and rate and charged to your account quarterly.
  • Please be aware, should you exceed your overdraft limit or have an item returned unpaid due to insufficient funds, our unauthorised borrowing rate and standard transaction charges will apply. 

Representative EAR

Interest Rate %


Arrangement Fee


Representative EAR (Effective Annual Rate) is used for comparison purposes and shows the annual interest rate we reasonably expect at least 51% of customers who are accepted for and enter into the overdraft agreement to get. It is calculated by using the rate of interest charged if you remained overdrawn for a year, the frequency with which interest is charged, and the effect of compound interest on your debt. The Representative EAR does not include other fees or charges.

100% of SME customers who used the eligibility checker received an end quote that was the same, better or no more than 10% above their indicative quote.

Additional lending for your business

Looking for a quick cash option?

Log in to Digital Banking and get a decision in less than 10 minutes. If approved, you could have the money within 24 hours.

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Stay on top of your expenses

Our business credit cards are ideal for making secure transactions and giving you flexible banking at your fingertips.

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Turn your long-term ambitions into action

Borrow from £25,001 with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval​.

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Support for your business as costs rise

Visit our hub for help with rising costs. It’s full of useful info on how you could save money now and build resilience for the future.

Something else we can help you with?