When you’re running a business, it’s always reassuring to have a little extra support on standby.

Whether it’s a late incoming payment or an unexpected outgoing, a Starling overdraft is built to give your business a cashflow boost whenever it might need it. It’s a simple, clear and fair overdraft that you’ll control with an in-app slider, and it’s as easy to manage and fair on fees as the rest of our business bank account.

Use it, don’t use it. Sometimes it’s just nice to know it’s there.

Register your interest for a business overdraft in the form below, and a member of our lending team will be in touch.

With a Starling business overdraft you’ll get...

15% EAR

And that’s the actual rate you’ll pay. Interest is accrued daily and charged on the 15th of the following month – and it’ll always be updated clearly in your app.

No fees

We won't charge you an additional fee on top of the interest you pay.

Complete control

Once your overdraft is approved, you’ll be able to manage the amount you need within that limit in the app. Back in the black? Close your overdraft at any time at no extra cost.

Gone over the limit?

If you go over the overdraft you’ve agreed with us, we’ll only ever apply our standard interest rate and cap your charges at £2 for anything unauthorised.

Calculate how much an overdraft would cost with us

Borrowing £0 for 30
 days will cost you
CostRate (% APR variable)

I’m interested – how can I apply for a business overdraft?

Just complete the form below and our lending team will assess your application for a business overdraft and get in touch soon.

Register your interest in a business overdraft below

(As registered)

      Your personal data will be treated in accordance with our privacy notice.

      We’re in business!

      Thanks for your interest. We’ll be in touch soon.

      It’s worth noting:

      We will only consider your business overdraft request if you are a business banking customer with us and a business with a single person of significant control.

      To assess whether we can offer you an overdraft, our lending team might need some additional information from you, such as bank statements or serviced financial accounts. You’ll also need to give us your consent for a credit check.

      If you take an overdraft with us, your credit score could be impacted if you go over your limit or don’t make repayments when they’re requested (which could affect your chances of borrowing in the future).

      Get the app