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Did you know that if you are operating out of a business overdraft facility you are probably paying more for finance costs than you need — even if you just periodically need to borrow. The banks earn more fees and interest on business overdraft facilities than from loan arrangements so it is in their interest that businesses operate from within an overdraft facility.  This is often called 'hardcore borrowing' and is a very expensive form of funding when compared to the average loan rate offered by rebuildingsociety. You might think 'its good to have the facility there' - just in case you need it. However, the ease of access to finance on rebuildingsociety means it's often quicker and cheaper to borrow from us than from the banks. Try it out, it's free to apply.