Contact Center

0 800 30 5555
free of charge in Ukraine

+380 44 495 22 77
for international calls


01004, Pushkinska str., 42/4

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Overdraft is a flexible and convenient tool which allows you to maintain stability of your business when payments from counterparties are delayed, or when there is a shortage or lack of funds in the current account.

By using the overdraft service at PJSC “CREDIT AGRICOLE BANK”, you receive substantial advantages:

  • unrestricted receipt of credit funds (by means of submission of payment documents to be repaid to the bank);
  • possibility of receiving overdraft without collateral;
  • credit limit may be increased provided the volume of funds coming to the account grows;
  • cost of overdraft may de decreased through independent regulation of lending terms within the period of non-stop utilization;
  • automatic repayment of overdraft and interest at the expense of funds coming to the current account of the customer.

Terms of financing:

Object of financing Financing of the working capital replenishment which is used by the customer to finance operating cycle
Maximum loan amount For the blank overdraft:
  • against turnovers at PJSC “CREDIT AGRICOLE BANK” - up to 40% of the amount of average net monthly inflows;
  • against turnovers at another bank – up to 10% of the amount of average net monthly inflows.
For secured overdraft – up to 75% of the average monthly income for the last reporting year.
Lending period Up to 12 months.
Period of uninterrupted overdraft utilization:
  • for blank overdraft – 90 days;
  • for secured overdraft – 365 days.
Currency UAH
Form of loan disbursement Overdraft is set on the customer’s current account
Amortization schedule Automatic repayment of debt and interest by entering funds to the current account
Commission for loan issue One-time payment of 1% of the amount of established limit
Requirements for borrowers
  • customer whose business is in operation not less than 12 months;
  • financial stability and solvency;
  • opening of a current account with PJSC “CREDIT AGRICOLE BANK”;
  • for existing customers – an active user of the current account at PJSC “CREDIT AGRICOLE BANK” for at least 6 months;
    for new customers – to transfer turnovers from the other bank to PJSC “CREDIT AGRICOLE BANK” within the first three months.
Requirements for collateral Personal property and real estate belonging to the borrower or guarantor can be pledged as collateral, as well as commodities and materials.
Insurance of pledged property At any insurance company of customer’s choosing from those approved by the Bank
To receive a loan, you need:

You can get more detailed information by addressing the SME manager in your city.