Overdraft Facility

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.

Why choose us

Complete peace of mind to manage your cash flow

Never worry again about a shortfall or unexpected outlay of your operation. With an overdraft facility you have access to funds during the normal course of business operation.

Competitive interest rates on amounts borrowed

We guarantee transparent pricing on variable interest rates and fees with interest calculated daily and charged monthly.

Solves your short-term financing and working capital needs

We offer a revolving credit limit that you can draw upon and repay without restrictions, which can be a cost-effective way to avoid fees associated with overdrawing accounts.

Simple and easy to use

You have the ability to transact through JTR Connect, cheques, and the J Trust Royal branch network. Your overdraft is available in USD and KHR and recorded on your business account.

Your overdraft at a glance

Facility type	Overdraft Facility or Revolving Short Term Loan ‘RSTL’
Facility purpose	Managing working capital requirements
Security	Unsecured or secured Various forms of security accepted including residential or commercial properties, business assets or a combination of these.
Term	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.