• Flexible Overdraft Facility – Access funds up to an approved limit for daily working capital needs.

• Interest Charged Only on Usage – Pay interest only on the utilised amount, helping you manage costs efficiently.

• Short-Term Loan Options – Choose from revolving and non-revolving loan structures to meet business funding requirements.

• Quick Processing & Disbursement – Fast approvals and minimal documentation for timely financing.

• Customised Repayment Terms – Structured repayment plans to align with your cash flow.

• Competitive Interest Rates – Enjoy attractive rates on overdrafts and short-term loans.

Business overdrafts allow you to withdraw funds exceeding your account balance, offering flexibility to meet short-term cash flow needs.

• Ideal for managing operational expenses, supplier payments, and unexpected costs.

• Funds can be settled daily, with interest charged only on the amount used.

DFCC Bank offers short-term business loans to address immediate financial requirements.

• Revolving Loans – Continuous access to funds with repayment flexibility.

• Non-Revolving Loans – Fixed repayment schedule for a structured financing approach.

• Suitable for inventory purchases, seasonal expenses, and contract-based financing.

1. Determine Your Business Need – Identify whether an overdraft or short-term loan best suits your requirements.

2. Submit an Application – Provide business and financial details for assessment.

3. Review & Approval – The bank evaluates your financials and approves the requested limit.

4. Access Funds – Once approved, use your facility as needed to manage working capital efficiently.

For further assistance, visit your nearest DFCC branch or contact us 24/7 on . If you’re an existing DFCC Bank customer, simply speak to your relationship manager.

You may also begin your application online right now!

1. What is the difference between a business overdraft and a short-term loan?

• A business overdraft allows you to overdraw your account up to a set limit, repaying as funds become available.

• A short-term loan provides a lump sum amount that must be repaid within an agreed period.

2. How is interest charged on an overdraft?

Interest is only charged on the amount used from the approved overdraft limit. If no funds are used, no interest is incurred.

3. What are the repayment terms for short-term loans?

Short-term loans can be structured as revolving (flexible repayments) or non-revolving (fixed instalments), depending on your business needs.

4. What documents are required to apply?

• Business registration documents

• Financial statements

• Bank statements

• Details of existing credit facilities (if applicable)

5. How can I apply for an overdraft or short-term loan?

visit your nearest DFCC branch or contact us 24/7 on 011-2350000. If you’re an existing DFCC Bank customer, simply speak to your relationship manager.

You may also begin your application online right now!

• DFCC Business Leasing

• DFCC Business Current Accounts

• Corporate Credit Cards

• Business Overdraft & Short-Term Loan Application (PDF)

• Rates & Tariffs