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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.

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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

Fast access to money No need to wait for loan approval
Always available limit Spend more than what’s on your account
No urgent repayment Up to 180 days to return the money
Pay only for what you use Interest is charged only on the used amount
Flexible repayment The debt is paid automatically when you top up your account
Save time Sign documents online with your digital signature (QES)

How to Apply for a Business Overdraft

You can use the service in one of two ways: by submitting an online application or by visiting the nearest branch.
  1. Fill out the form on the website.  Click the link to submit an online application – it only takes a few minutes.
  2. Wait for a call from our specialist. Our expert will contact you to answer any questions (if needed) and arrange a meeting.
  3. Visit the branch. At the meeting, you’ll submit your application and provide the required documents.
  4. Get access to the overdraft limit. Once approved, the limit will be activated on your account.
  1. Visit the nearest branch. Come at a convenient time with the required documents. You can find the nearest branch using this link.
  2. Submit your application on-site. The manager will fill in all the necessary details and forward your application for review.
  3. Access your overdraft. After approval, the limit will be activated and you’ll be able to use the funds for your business needs.
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Main Terms of the Business Overdraft

Loan termUp to 36 months
Annual interest rateFrom 17.75% to 19.75% (depends on your financial situation)
Minimum overdraft limitFrom UAH 30,000 (depends on your finances and turnover)
Maximum overdraft limit

- Up to UAH 5,700,000 (if revenue ≤ UAH 59.2 million/year)

- Up to UAH 9,500,000 (if revenue > UAH 59.2 million but ≤ UAH 233 million/year)

Annual fee

1%

Continuous debit balance

Up to 180 days

Early termination feeNone

To apply for an overdraft, you must have been working as a legal entity or private entrepreneurs (FOP) for at least 12 months. For agribusiness clients, the required period is at least 24 months.

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. If you’re a new client, it’s based on revenue data from your financial statements.

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.

For legal entities:

  • Application form
  • Financial statements: balance sheet and profit & loss for the last 2 yearsInformation about the company’s actual financial status
  • Business location checklist (if turnover is over UAH 500,000 and your last visit was over 9 months ago)
  • Balance breakdown and details on key contractors (if turnover is over UAH 1.5 million or upon request by the risk department)

For private entrepreneurs (FOP):

  • Application form
  • Financial documents: Declaration for Single Tax Payers, or Personal Income and Assets Declaration (for the last year + the latest reporting date, if required by your tax regime)
  • Information about actual financial status
  • Business location checklist (if turnover is over UAH 500,000 and your last visit was over 9 months ago)
  • Balance breakdown and key contractors (if turnover is over UAH 1.5 million or if required by the risk department)