A J Trust Royal Business Overdraft can provide the extra cash your business needs to cover seasonal or working capital requirements.

Essentially, an overdraft is a method of allowing an account balance to operate in debit up to an agreed level.

Also known as a Revolving Short-Term Loan, an Overdraft is a particularly common and flexible form of credit and for many customers it is essential for managing cash flow. For your convenience, a J Trust Royal Business Overdraft can be attached to your J Trust Royal Business Cheque Account.

Your overdraft at a glance

Facility type

Overdraft Facility or Revolving Short Term Loan ‘RSTL’

Facility purpose

Managing working capital requirements


Unsecured or secured
Various forms of security accepted including residential or commercial properties, business assets or a combination of these.


Ongoing – subject to annual review

Interest Rate Type

Variable Interest Rate

Repayment Terms

Flexible. No fixed or minimum monthly repayment arrangements.

Repayment Options

Tailored loan structuring with features such as balloon repayments and revolving lines of credit where appropriate.

Ways to access your account

JTR Connect, J Trust Royal branches or cheque book

Fees & Charges

Fees and charges are payable.

Terms & Conditions

All applications for credit are subject to J Trust Royal’s normal credit approval criteria. Terms and conditions available upon request.

Please call our support team should you require assistance or have a Working Capital enquiry.

Call +855 (0) 23 999 255

Hours: 8am-5pm, Monday – Friday (excluding public holidays)