Overdraft loan

If you need to have anytime at disposal enough funds even beyond the limit of your resources, we offer you an overdraft facility with a number of benefits.


  • Loan drawdown on current account up to the amount of defined debit limit
  • Cover your expenses from a current account; and should your funds be insufficient, the loan is automatically drawn, and it is continuously repaid from the incoming payments
  • Bridging of short-term fluctuations in the income part of your company
  • Drawdown only in the currently required amount
  • Interest charged only for the days of actual loan drawdown
  • Granted usually for a one-year period with a possibility to obtain the loan also for another period

Conditions for Loan Granting

  • Demonstrating the ability to repay the loan, including interest and fees within the requested maturity and under the terms and conditions agreed in advance
  • Loan purpose – the bank provides loan to cover operating needs related to business activity
  • Collateral for loan, including interest and fees
  • Additional conditions depending on the business nature, knowledge and credibility of the entrepreneur (e.g. notarial deed as power of distress on assets)
  • Should you be interested in loan granting, please, contact the nearest corporate branch.

Documents Required

  • Written Request for Loan, including complementary annex tables depending on the amount and type of the requested loan and the type of business entity
  • Documents demonstrating the authorization to conduct business activity
  • Financial statements for the latest two completed financial years and the most recent financial statements in the current year
  • Tax return, or income tax return
  • Documents to loan collateral


Interest Rate

The interest rate is floating, calculated as the sum of the base rate for business loans or of one-month EURIBOR, LIBOR or PRIBOR (depending on the transaction currency) and business margin. The business margin is determined by the bank individually for each transaction.


Používaním stránok prevádzkovaných VÚB, a.s. súhlasíte s používaním cookies, ktoré nám pomáhajú zabezpečiť lepšie služby. Viac informácií