I can only think of overdraft as option right now because we will set up loan from BTL which was granted by directors.
However, if UOB gives us overdraft credit, please check how much is limit of credit and what percentage of annual interest will be. As long as we can cover shortage of our cash flow by loan, it is my understanding that we do not have to use overdraft. However, all directors need to recognize that overdraft can be used as option.