Overdraft – a short-term loan attached to the client's current account to make payments withdrawing an amount larger than the actual available balance, within the limits set by the Bank.
To be chosen:
• to cover temporary cash shortfalls (30/60 days) – a timing gap between anticipated expenses and receipts;
• to get additional short-term finance to meet the working capital needs and support on-going operations.
|Overdraft limit||40% of the average monthly net receipts|
|Minimum fees||Just one-time fee paid at the time an overdraft is open|
|% fixed rate||% rate specified in the agreement is not changed during the term of the agreement|
|Repaid automatically||Automatically – from receipts transferred by your counterparties to your current account|
|Interest is fair||The interest is charged only for the days you use the overdraft and on the amount actually drawn (on the negative balance in the current account, at the end of a day)|
|Overdraft limit||maximum UAH 7.5 mln|
|Fee||0.9% of the maximum limit (not less than UAH 2000), one-time payment|
|Surety||From the holder of a 60% interest in the company|
|Limit revision||Monthly, based on the net receipts in the current account with Alfa-Bank.|
|Fully repaid||Every 30/60 days|
|Term of agreement||Up to 12 months|
Please contact a customer service manager of Alfa-Bank to get information about requirements and documents needed to apply for an overdraft
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