Additional working capital with periodical rate review

Treasury overdraft

For enterprises who want to increase their working capital, to finance expenses for their daily operations. Pivdenny offers an overdraft with individual rates depending on the expected period the funds are used.

Advantages of the overdraft

  • Ability to reduce interest costs: the shorter the term of continuous use of the credit funds, the lower the interest rate.
  • No control over purpose of use of funds.
  • No need to agree with the bank how to disburse the credit funds – the funds are available through the regular payments process.
  • Ability to get an overdraft limit from the very first month you become a client.
  • Ability to obtain a limit without collateral (subject to guarantees from the ultimate beneficiary owners of the business).
Principal terms and conditions
Loan term

3 months with an option to prolong every 3 months – for up to 1 year

Interest rate

is fixed depending on the term of the overdraft use – the shorter the term of use of the credit funds, the lower the interest rate

Maximum limit amount

— for existing clients of Pivdenny Bank — up to 30% of the net average monthly proceeds to the client’s own accounts in the bank;

— for new clients of Pivdenny Bank — up to 10% of the net average monthly proceeds to the client’s own accounts in the bank

Terms of repayment

monthly interest payment;

complete repayment of the overdraft — at least once during the period as per the contract: from 30 to 90 days.

Borrower requirements – has been I business for more than 12 months.

How do I apply for a loan?

  • Order online

    Submit your application and our manager will contact you to schedule an appointment.

  • Contact your personal manager

    for existing clients of the bank.

To obtain a loan:

  1. Visit the nearest bank branch or contact the corporate business projects unit manager. 
  2. Submit the required documents.
  3. Get the decisions made by the bank on the loan and the valuation of collateral.
  4. Sign all the required agreements.
  5. Receive credit funds on the current account.


Send application
Leave your contacts and the bank employee will be waiting for you with prepared documents pack out of order.
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