Lending against property rights with deposit account funds

Loans secured with a deposit

To finance working capital programmes for enterprises. Pivdenny Bank offers credit in the «Loans secured with a deposit» programme which are pledged by funds placed a deposit account of a company or individual.

Advantages of the loan:

  • Short application review period – up to 3 working days.
  • Ability to change the interest rate on the loan by changing the rate of the deposit (the bank establishes the margin between the rates on the loan and the deposit).
  • No hidden fees.
  • A credit line allows you access to the credit funds when needed.
  • Option to repay the loan at any time.
Principal terms and conditions
Loan term

1 business day before the maturity of deposit term

Crediting currency


Maximum limit amount

up to 100% of the deposit amount


property rights to funds placed on a deposit account

If the depositor is natural person

the Bank requires an agreement on a financial guarantee and cession agreement

A decision will be taken by the bank

within 3 working days from the time the borrower has submitted a complete package of documents

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

How do I apply for a loan?

  • 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.


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