Overdrafts

[sone]

We have been running our business for about two and a half years now, with turnover toward 2.5m last year and a good chance of 3+ this year.
To date we have managed to trade without overdraft but it looks like soon I'm going to go and see the bank manager about an overdraft to help with the cash flow.
Question is what do the banks think is a fair percentage of turnover for overdraft facility, what personal guarantees will they require and would any liability be shared equally between myself and my business partner or because I am financially better set up than him on a personal basis chase me for any debt more vigorously.
Thoughts appreciated.

Cheers

Steve

[sone]

Lloyd's is our bank and we are in the construction sector. Never been overdrawn personally or in the business, not that counts for bugger all these days!.
We have a healthy order book and a retention book of 50k plus so we might be able throw that in the mix.