A cash-flow buffer that's there when you need it.

Not every funding need is a lump sum. Sometimes what a business needs is headroom — a facility that covers the gaps between money going out and money coming in. DeMarque Finance arranges business overdrafts and lines of credit that give you that flexibility without locking you into a fixed-term loan.

How a revolving facility works

Unlike a term loan, a business overdraft or line of credit is a limit you can draw against as needed. Use it when a supplier bill lands before a customer pays, repay it when the money comes in, and draw again next time. You typically only pay interest on the balance you’re actually using.

What businesses use it for

• Bridging cash flow — cover the gap between paying suppliers and getting paid.
• Seasonal swings — fund the quiet months, repay in the busy ones.
• Payroll and operating costs — keep the lights on through timing mismatches.
• Opportunistic buying — jump on stock or supplier deals without waiting.

Overdraft vs line of credit

They’re close cousins. An overdraft usually attaches to your business transaction account, so it’s seamless — your balance simply goes below zero up to your limit. A line of credit is often a separate facility you draw from. We’ll match you to whichever structure and lender fits your banking setup and pricing preference.

Why businesses choose DeMarque

• 60+ lender panel — banks, non-banks and cash-flow specialists.
• Secured and unsecured options — including facilities without property security.
• Fast indicative turnaround — often within 24–48 hours.
• Only pay for what you use — interest on the drawn balance, not the full limit.

Common questions

Do I need property security for an overdraft?
Not always — unsecured revolving facilities are available for established businesses, though secured limits are usually larger and sharper on rate.

How is it different from a business loan?
A loan is a lump sum you repay over a set term; a revolving facility is a limit you draw and repay repeatedly, paying interest only on what you use.