Business Overdraft

A flexible short-term safety net for your business.

Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.

Increase, decrease or remove an existing overdraft limit

  • If you have a Relationship Manager, please give them a call
  • If you do not have a Relationship Manager you can now request a change to an existing overdraft via our online application journey
  • You can also apply to decrease your overdraft limit
  • Just tell us about your business and address history
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Request a new overdraft

  • No set minimum to pay back each month
  • Pay interest only on the amount you borrow
  • Borrow up to £50k unsecured, subject to credit approval
  • Ideal for unexpected bills or emergencies
  • Flexibility with your business overdraft during a Family First event

For existing NatWest customers for up to 12 months. After 12 months, we'll contact you to review your overdraft

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What you'll pay

  • 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
  • Arrangement fee of £100 for Business Overdrafts between £501-£1,500
  • Overdrafts over £1,500 1.5% arrangement fee or a minimum £150 fee is applied
  • Variable interest rate is charged, to be confirmed at point of application complete

If you exceed your agreed Business Overdraft limit you will be charged an unarranged borrowing rate and be subject to unpaid / paid item fees.

Business Overdraft factsheet (PDF, 98KB)

Useful info about our Business Overdraft

Want to borrow £25,000 or less?

Check your eligibility and how much you’d repay.