Well no wonder !! If a business gets a loan then it pays back the principal plus interest over a set time period. So the costs of "buying" money can be accounted for in pricing policy.
However if they use Cards or an overdraft then the must make the minimum payment by a set date for a card which has a much higher interest rate than either a loan or an o/d. But the real money spinner for the banks are o/drafts. Every time a cheque is processed there is a charge. Whenever a withdrawal is made there is a charge and interest is charged on the lot because you have to borrow the money to pay the charges!!
The way to beat a personal o/d, if you can get one, is to use only one cheque to draw what you need once. Then there is only one charge. If you keep withdrawing small amounts there is a charge every time!!!
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