Overdraft
An overdraft facility is probably the most accepted form of business funding.
An overdraft provides businesses with a flexible borrowing facility able to adapt to cash flow requirements and meet short term funding objectives.
The size of overdraft facility available and the cost of operating an overdraft facility are assessed on an individual basis.
The overdraft provider may require reassurance of the company’s ability to repay the facility, this will be taken as ‘security’ over an asset, this may be in form of a charge over the business, a personal guarantee or a charge over the directors personal property. All would provide the bank with a means of recouping some or all of the funds outstanding, should the company default on the agreement.
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