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Our working capital solutions are there to help you while you’re waiting for cash to come in. They can also boost your efficiency by, for example, giving you the means to negotiate better discounts with your own suppliers.

Overdrafts are the simplest working capital option :

Main Features

  • There are no pre-set minimum or maximum levels for borrowing on an overdraft.
  • Renewable annually
  • Variable interest rate linked to our base rate
  • Interest calculated daily and charged to account monthly
  • No interest charge on unused overdrafts



  • Last two to three years financial statements for the business
  • Last six to twelve months bank statements
  • Most recent Management accounts
  • First Citizens Fifty Plus
  • Personal Lending
  • First Citizens Smart Start
  • Visa Classic and Gold
  • Merchant services
  • Mastercard