Overdraft is a standby facility which you can easily access to cover temporary cash flow needs, meet working capital requirements (purchase inventory, finance receivables etc) and meet day-to-day expenses. Overview This convenient facility will help you finance fluctuating working capital requirements and seasonal cash flow needs. Pay interest only on the amount you use – interest is calculated on a querterly basis. Easy to arrange Trust Bank Business Current Account required. In some cases, security will be required. Important information For more information about our interest rates, overdraft fees and other charges see our interest rates charge list.