Working capital and short-term loans


An overdraft is a credit facility attached to a current account. It is available to legal entities in order to support efficient liquidity management and enable financing for short-term, unexpected needs.

ProCredit Bank provides overdrafts on current accounts to all companies that use the bank’s payments services.

Overdraft amount, interest rate, repayment period and security

The overdraft amount depends on the average monthly turnover on your account and on your financial situation, as well as other factors determined by the bank.

The interest rate depends on the client’s level of business with the bank. The interest rate is calculated daily according to the amount of funds used and is automatically deducted from your current account.

Overdraft repayment terms of up to 12 months.

Collateral conditions depend on the overdraft amount. It is possible to combine security instruments – pledge on movable assets, mortgage, deposits, bank bills.