Overdraft - fast, convenient, flexible type of lending. An ideal product for companies operating in a dynamic environment, and for whom it is important to have access to funds at any time.

Overdraft collateral is a constant turnover on the client’s account, on which the limit, term and interest rate depend. In addition, the duration of the client’s mutual cooperation with the Bank is taken into account.

Objectives: an increase in working capital.

Amount: from 50 thousand EUR to 1 million EUR.

Term: from 3 months to 6 months with the possibility of prolongation.

Rate: from 12% per annum for the provided financing, 2% per annum for the reservation of the unused part.

Currency: EUR.

Terms of service:

  • - Active work on the account for at least 6 months;
  • - Transparent structure of economic activity;
  • - The amount of incoming payments to the account must be kept at a level of at least 500 thousand EUR per month;
  • - The limit for lending is up to 20% of the amount of business turnover.


  • - Turnover on accounts in United BTC Bank;
  • - Personal and corporate guarantees.