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Bank overdrafts, facility to withdraw money through cheques even though there is not enough money in the account for cover them. It is indeed rather convenient to most business owners, but with their high interest rate charge on the overdrawn, it can be risky if it cost too much in the end. With cheaper cash loan, not only the interest charged is much lower, money can be released on the same day too, for some companies. For emergency, this fund would come useful as long as money obtained here is not misused or spend unnecessarily.