Yes. A business overdraft can help bridge the timing gap between paying suppliers and receiving money from customers. For example, a wholesaler, manufacturer or distributor may need to settle supplier invoices now while customers pay after 30, 60 or 90 days. DTB Business Overdraft can provide short-term working capital for approved day-to-day business needs, subject to the agreed limit and credit approval.

A business overdraft can be suitable where you have demand or orders but cash is temporarily tied up elsewhere in the business. The facility may help fund stock replenishment, raw materials, packaging or other short-term inputs needed for normal operations. DTB assesses the working capital need, business information, cash-flow projections and repayment capacity before approving a limit.

If your business is profitable but customer payments arrive later than your operating expenses, a working capital overdraft may help you manage the gap. You can use the approved facility for recurring short-term needs while waiting for normal business receipts. This can be relevant to contractors, agencies, logistics companies, manufacturers and other businesses that operate on credit payment terms.

It can be used for approved working capital needs such as payroll and other day-to-day operating expenses when there is a temporary cash-flow shortfall. This may be useful where salaries, rent, utilities, fuel or supplier payments are due before customer receipts arrive. The facility should be used for short-term operating needs rather than as long-term financing for major asset purchases.

Business overdrafts can be useful across sectors where income and expenses do not arrive at the same time. Common use cases include manufacturers funding raw materials, wholesalers and retailers restocking, contractors covering project costs, transport businesses paying fuel and repairs, professional firms covering payroll, clinics purchasing supplies, and hospitality businesses preparing for peak periods. Eligibility and the approved limit remain subject to DTB's assessment.

A business overdraft is generally better suited to recurring or temporary cash-flow gaps because it provides an approved working capital limit that the business can draw on as needed. A business term loan is usually more suitable when you need a defined amount for a longer-term purpose with a structured repayment period. The right option depends on what you are financing, how long you need the funds and how your business generates cash.

The choice depends on the source of your cash-flow gap. An overdraft provides an agreed working capital limit for recurring operating needs, while invoice financing is typically linked to specific unpaid invoices or receivables. If your business regularly needs flexibility for suppliers, stock, payroll and other expenses, an overdraft may be more suitable. If the need is tied mainly to particular invoices, ask DTB which working capital solution best fits your cash-flow cycle.

DTB does not publish one fixed overdraft amount for every business. The maximum credit limit depends on the repayment capacity of the borrower and DTB's credit appraisal. Your financial performance, bank statements, management accounts, cash-flow projections and the amount of working capital required can all help the Bank assess an appropriate facility limit.

DTB requires company documents including a certificate of incorporation, company KRA PIN, directors' identification and KRA PIN details, memorandum and articles of association, a borrowing resolution, three years of audited accounts, latest management accounts, 12 months of bank statements, annual returns/CR-12, a company profile, and cash-flow projections explaining the working capital requirement.

DTB assesses the business's repayment capacity and supporting financial information before setting an overdraft limit. The published requirements include three years of audited accounts, latest management accounts, 12 months of bank statements, month-by-month cash-flow projections for the next 12 months and a clear explanation of the working capital need. Approval remains subject to the Bank's credit assessment and applicable terms.

DTB's published Business Overdraft page states that the interest rate is the prevailing market rate and lists a 2% commitment fee. Interest is serviced monthly. Because rates, taxes and other applicable charges may change or depend on the approved facility, request the current pricing and full terms from DTB before accepting the overdraft.

The DTB Business Overdraft is a short-term working capital arrangement that is renewable annually. The account must be actively transacted and interest is serviced monthly. Renewal is subject to the Bank's review and applicable terms, so businesses should plan for the annual assessment rather than assume the facility will continue automatically.

An overdraft is legally an on-demand facility. This means the Bank retains the right to require repayment in line with the agreed facility terms, and DTB states that the arrangement may be recalled at the Bank's discretion. Businesses should therefore use an overdraft for short-term working capital and maintain healthy cash flow rather than depend on it as permanent long-term funding.

Compare the approved limit, interest rate, fees, renewal terms, security requirements, currencies available, documentation required and how well the facility matches your cash-flow cycle. DTB Business Overdraft offers working capital financing with a limit based on repayment capacity, annual renewal, local and foreign currency options, a prevailing market interest rate and a published 2% commitment fee. The best facility is the one your business can use and service sustainably.