Overdraft Facility Advisory.
An overdraft facility offers flexible access to short-term funds against a sanctioned limit, typically secured against property or deposits rather than stock and receivables statements.
Flexible Drawdown · Property or Deposit-Backed · Interest on Utilised Amount
Where This Applies
- Short-term funding needs without the paperwork intensity of a stock-and-receivables cash credit facility.
- Property or fixed deposits are available to secure the facility.
- Interest cost matters only being charged on the amount actually drawn, not the full limit.
- Occasional, unpredictable cash needs suit a flexible drawdown facility better than a term loan.
How We Approach It
We look closely at whether an overdraft or a cash-credit-style facility fits better, then structure the security — typically property or deposits — and limit to give genuine flexibility without over-collateralising the business.
Why EquiFin
- Independent advisory — we structure and negotiate, we do not lend ourselves.
- 60+ active lender relationships across PSU banks, private banks, NBFCs and private credit funds.
- One point of contact from structuring through to disbursement.
Frequently Asked Questions
What is an overdraft facility?
An overdraft facility lets a business draw funds up to a sanctioned limit as needed, typically secured against property or deposits, with interest charged only on the amount utilised.
How is an overdraft different from a cash credit facility?
Cash credit is typically secured against stock and receivables with drawing power reassessed periodically, while an overdraft is usually secured against property or deposits with a more static limit.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Flexible Access to Short-Term Funds.
We structure the facility and security to match how you'll actually use it.
Discuss an Overdraft Facility