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At Joint Shares, we are committed to delivering secure, compliant, and client-focused financial services—from personal lending to institutional investments

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17‑21 boulevard Joseph II, L‑1840 Luxembourg, Luxembourg

Corporate Overdraft Facility

Flexible short-term financing to manage cash flow gaps and keep your business running smoothly

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What is a Corporate Overdraft Loan?

A Corporate Overdraft Facility is a revolving credit line that allows your business to withdraw more money than you currently have in your account, up to a pre-approved limit. It serves as a financial safety net for businesses facing temporary cash flow shortages.

Revolving Credit

Borrow, repay, and borrow again as needed within your approved limit without reapplying.

Pay for What You Use

Interest is charged only on the amount you utilize, not the entire approved limit.

Flexible Repayment

No fixed EMIs - repay as your cash flow allows while maintaining access to funds.

How Does an Overdraft Facility Work?

The overdraft process is designed to provide quick access to funds when your business needs it most:

  1. Application: Submit your business financials and banking history
  2. Assessment: We evaluate your creditworthiness and cash flow
  3. Approval: Receive an approved overdraft limit based on your business profile
  4. Activation: The facility is linked to your current account
  5. Utilization: Withdraw funds as needed up to your limit
  6. Repayment: Pay back when cash is available, then reuse as needed

Example Scenario

A manufacturing company with seasonal sales patterns uses its $50,000 overdraft facility to:

  • Cover payroll during slow months
  • Purchase raw materials when suppliers offer discounts
  • Handle emergency equipment repairs

They only pay interest on the amounts actually used during those periods, saving significantly compared to a term loan.

Key Benefits of Our Overdraft Facility

Feature Benefit to Your Business
Immediate Access to Funds Cover unexpected expenses without delay
Interest on Utilized Amount Only Lower costs compared to traditional loans
No Fixed Repayment Schedule Align repayments with your cash flow cycles
Revolving Credit Line Continuous access without reapplying
Improves Credit Profile Responsible usage builds business credit
24/7 Online Management Monitor and control your facility anytime

Eligibility Criteria

To qualify for our Corporate Overdraft Facility, your business should meet the following requirements:

  • Registered business operating for at least 2 years
  • Minimum annual turnover of $100,000
  • Positive cash flow and profitability trends
  • Good credit history with no major defaults
  • Existing business account with transaction history
  • Up-to-date financial statements

Documentation Required

  • Business registration documents
  • 2 years financial statements
  • Bank statements (6-12 months)
  • Tax compliance certificates
  • Ownership structure
  • Business plan (for startups)

How to Apply

Online Application

  1. Complete our online application form
  2. Upload required documents
  3. Receive preliminary approval within 24 hours
  4. Final verification and facility setup
Start Online Application

Branch Application

  1. Visit your nearest branch
  2. Meet with a business banking specialist
  3. Submit your application with documents
  4. Receive same-day pre-approval
Find a Branch

Need Help Deciding?

Our business banking advisors can help you determine if an overdraft facility is right for your needs and guide you through the application process.

Schedule a Consultation

Ready to Secure Your Business's Financial Flexibility?

Apply for a Corporate Overdraft Facility today and gain peace of mind knowing you have immediate access to funds when you need them.

Apply Now
Work Process

Our Solution Process

01
Analyze Your Financial Challenges

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02
Develop Tailored Financial Solutions

Create customized strategies to address your unique banking and investment needs.

03
Consultation with Banking & Investment Experts

Engage with experienced professionals to guide your financial decisions and planning.

04
Identify Key Risks and Opportunities

Pinpoint potential financial risks and opportunities to maximize your returns and minimize losses.

Beyond Banking — We Build Futures.

Our Solution

🌍 Head Office

📌 17‑21 boulevard Joseph II, L‑1840 Luxembourg
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📌 » 17‑21 boulevard Joseph II, L‑1840, Luxembourg

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Joint Shares LLC — Licensed Financial Partner for Lending, Investment, Insurance & Global Banking.