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Business/Loans & finance/Business overdraft 
 

Business Overdrafts

All businesses need to be flexible, so it’s good to be ready for the unexpected. An overdraft will make sure that extra funds are available when you need them.

Key features

  • Be ready for the unexpected.
  • Only pay interest on the funds you use.
  • Apply for an amount to suit you.

Enquire now

Online banking Online

Enquire about a business overdraft

Contact by phone By phone

Call us on 0800 022 4377 (open 8am to 8pm Monday to Friday and 9am to 1pm Saturday) to discuss your enquiry with one of our advisors.

Any property given as security which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

Features and benefits

With a business overdraft from Lloyds Bank, you can make sure that extra funds are there when you need them.

  • Borrow an amount to suit you.
  • Only pay interest on the funds you use.

Our commitment to support your business through the economic downturn

  • We will meet every reasonable request for competitive commercially-priced finance (whether short-term or long-term) from viable business customers.
  • We will not change the availability of overdrafts during the period of a customer’s agreement, as long as their accounts are kept within agreed terms and limits.
  • We will do our best to support any viable business through temporary difficulties and into the recovery.

Read our Charter to find out how we're committed to lending to businesses.

More information about business overdrafts

If you would like more information before you apply either call 0800 022 4377 (open 8am to 8pm Monday to Friday and 9am to 1pm Saturday) or complete our request for further information form.

Any property given as security which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

Rates and Charges

Rates information table for Business Overdrafts.

Tell us about your plans and needs, we will then agree the interest rate with you and let you know if we require any security. An arrangement fee will apply and is related to the amount you choose to borrow. These terms will be discussed with you before you take out the overdraft.

Any property given as security which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

How to enquire

To enquire online for a business overdraft from Lloyds Bank you will need to confirm the following:

  • you are a sole trader, partner, or director
  • you are aged 18 or over
  • you require the finance for business use.

Before you enquire

Before you enquire you will need to have the following information available:

  • how much you would like to borrow
  • the purpose of the finance
  • how many months you would like to make the repayments over.

Please view our finance application checklist.

Online banking Online

Your online enquiry will take about ten minutes to complete, once we have received it we will contact you to discuss your enquiry with you in more detail.

Enquire about a business overdraft

Contact by phone By phone

Call us on 0800 022 4377 (open 8am to 8pm Monday to Friday and 9am to 1pm Saturday) to discuss your application with one of our advisors.

Request further information

If you would like more information before you enquire either call 0800 022 4377 (open 8am to 8pm Monday to Friday and 9am to 1pm Saturday) or complete our request for further information form.

Any property given as security which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.