Skip to main content
Find a branch Contacts Tranfers and Payments

Overdraft service for business clients

Support seamless business operations

We can make it happen!

Order

What is an Overdraft?

It's a financial reserve that supports your business in any situation.
An overdraft provides additional funding for your business's short-term needs.
It allows you to spend more funds than are available in your current account, within a set limit.

What purposes can an overdraft be used for?

  1. Replenishing working capital – covering temporary cash shortages for business operations.
  2. Covering cash gaps – ensuring uninterrupted business activities despite payment delays from clients.
  3. Paying suppliers – timely settlement for goods and services, even if own funds have not yet arrived.
  4. Paying employee salaries – ensuring stable payouts in case of temporary cash
    shortages.
  5. Paying taxes and mandatory payments – to avoid fines and delays in settlements with government authorities.

Advantages

Quick Access to Funds No need to wait for credit approval
Always Available Limit Spend more than what's in the account
180 Days to Repay Flexible repayment period
Interest on Used Amount Only Pay interest only on the amount you use
Flexibility in Payments Funds are automatically replenished upon account deposit—no payment schedules
Time Savings Remote signing of all documents using a digital signature

More About the Service:

Loan TermUp to 36 months
Annual Interest Rate17.75% to 19.75%, depending on the client's financial condition
Minimum Current Limit  From 30,000 UAH, based on the client's financial status and turnover
Maximum Current Limit

Based on client financial condition:

  • Up to 5,700,000 UAH for clients with revenue ≤ 59.2 million UAH/year.
  • Up to 9,500,000 UAH for clients with revenue > 59.2 million UAH/year but ≤ 233.0 million UAH/year.
Annual Fee

1%

Repayment Period

Up to 180 days for full debt repayment

Early Termination Fee

No

Eligibility: Business activity as an individual entrepreneur/legal entity for at least 12 months (24 months for Agribusiness clients).

Exclusions: Offer not valid in temporarily occupied or uncontrolled territories by Ukrainian authorities. Service conditions are subject to Bank's rules. Client requirements for credit agreement are determined by the Bank's internal documents.
Order

Additional offers