Classic overdraft

Overdraft by VS Bank PJSC

An overdraft is the simplest form of lending involving a plain and easy-to-understand procedure of receiving loan proceeds, and does not require any extra expenses on your part (e.g. the notary’s fee.) Normally, an overdraft is an unsecured loan; in other words, the bank does not require that you pledge any property as collateral.

The disbursement of an overdraft loan is made within a pre-agreed amount. Furthermore, the loan application is your payment order to write-off the money – no supplementary instruments!

The outstanding overdraft is covered by each amount credited to the Client’s account, thus automatically reducing the outstanding amount. This enables you to materially reduce the interest-payment-related costs if compared to other forms of lending.


Classic Overdraft

This loan is made to businesses holding a current account at VS Bank PJSC, and having been periodically receiving money to this account over a period of at least one (1) year, or longer

  • Loan currency - UAH.
  • Term of lending – up to one (1) year.
  • Frequency of repayment down to zero – at least once in thirty (30) days, or more frequently.
  • Minimum amount of limit – UAH 50,000.00.
  • Maximum Amount of limit depends on the period of servicing in the bank (current account use)
  1. From 6 to 12 months - 15% of monthly income;
  2. From 12 to 36 months - 25% of monthly income;
  3. More than 36 months - 30% of monthly income.

Monthly commission for payment processing – from 0.15% to 0.4% of the contractual amount (the bigger the contractual amount – the smaller the amount of the commission.)

The loan is collateralized exclusively with civil financial guarantees given by the founders, who have a decisive influence upon the company’s business activities.



Express Loan Application for legal entity




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