Lending against the rights on deposit account funds

Loans secured with a deposit

To finance working capital programmes for enterprises.

Pivdenny Bank offers credits under the "Loans secured with a deposit" programme pledged by funds placed on the personal or business deposit account.

Advantages of the loan:

  • The possibility of early repayment

    at any stage of the loan.

  • No

    hidden fees.

  • Quick application process

    within 3 working days

  • Possibility to adjust the interest rate on the loan

    by changing the deposit rate (the bank establishes the margin between the rates on the loan and deposit).

  • Possibility to get a credit line

    to obtain the credit funds when needed.

Principal terms and conditions:
Loan duration

1 business day less than the maturity of the deposit

Interest rate

is determined individually

Loan collateral

Property rights to funds placed on a deposit account. If the pledger is a physical person, the bank requires a financial guarantee agreement and cession agreement

A decision will be taken by the bank

within 3 working days from the time borrower has submitted the documents to the bank

Borrower requirements

business activity for at least 12 months

How do I apply for my loan?

  • Visit any branch of Pivdenny Bank

    or contact the SME project manager.

  • Provide

    all required documents.

  • After analysing the loan application and valuation of the collateral,

    the bank makes a decision on the feasibility of the loan.

  • After approval,

    sign all the required agreements.

  • Receive

    credit funds on the current account.


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