Overdraft for Business
Make payments even if there’s not enough money in your account. Enjoy financial flexibility with a business overdraft — it helps cover urgent expenses quickly and without stress.
What is an overdraft?
An overdraft is like your financial backup. It gives you extra money if you don’t have enough on your account. You can use the funds within a set limit without asking the bank every time.
This service is available for companies and private entrepreneurs (FOP). It lets you:
- pay salaries to employees;
- pay taxes;
- pay for goods, services, or work;
- make other urgent business payments.
Benefits of a Business Overdraft
How to set up for your Business?
Fast financial support is always at hand. The setup process depends on whether you are already working with us:
- Are you already a Raif client? If there is a pre-approved offer for your business, you can activate this limit.
- Do you want to become our client? This is a great reason to start our cooperation! Open a current account with Raif using the link, use it for daily transactions, and soon the bank will be able to calculate and offer an individual overdraft limit for your company.
How to activate the limit in Raiffeisen Business Online?
- Check your offer. Log into the Raiffeisen Business Online system and find out the amount of your approved limit.
- Confirm in a few clicks. Set up the limit yourself directly in the system — with no unnecessary paperwork or branch visits.
- Use the funds immediately. Once the agreement is signed, the limit is activated on the same day, allowing you to instantly finance your business needs.
Main Terms of the Business Overdraft
| Loan term | Up to 36 months |
| Annual interest rate | 18,9% |
| Minimum overdraft limit | From UAH 30,000 (depends on your finances and turnover) |
| Maximum overdraft limit | - Up to UAH 11,000,000 |
Annual fee | 0% |
Continuous debit balance | Up to 180 days |
| Early termination fee | None |
This offer is not available in temporarily occupied or uncontrolled territories of Ukraine.The service is provided according to the Bank’s rules. The requirements for signing the overdraft agreement are defined by the Bank’s internal documents.
Frequently Asked Questions
The overdraft is available for legal entities and private entrepreneurs (FOP) who run active business operations. It’s especially useful for small and medium businesses that receive regular payments to their account and need flexibility in managing working capital.
An overdraft is a short-term credit within a set limit that lets you make payments even when your account has no funds. Unlike a regular loan with a fixed amount and repayment schedule, an overdraft is flexible — you use funds when needed, and repayments happen automatically when money is credited to your account.
If you’re already a client of the bank, your overdraft limit depends on your account turnover.
You can use it for any payments related to your business activity, as long as they are allowed by Ukrainian law. This includes paying for goods and services, salaries, and taxes.