Overdraft facility

Choose overdraft facility for more flexible management of working capital

Covering unexpected expenses and costs
Covering short-term liquidity needs
For day-to-day business operations

To submit a loan application, please send us a copy of last year’s annual report, balance sheet and income statement (not older than 2 months), to the address arilaen@lhv.ee

Application process

Complete an application
Complete the application for an overdraft facility online.
Submit documents
Please send the following documents to the address arilaen@lhv.ee last year’s annual report, balance sheet and income statement (not older than 2 months).
Loan analysis
Your loan manager will contact you in case of any questions.
Conclude the agreement
In the event of an affirmative reply, we will sign the agreement digitally. After the collateral contracts have been concluded, the loan shall be deposited in the company’s account.

Price list and terms and conditions

For whom	Private or public limited company registered in Estonia
Intended purpose	Acquisition of current assets, unexpected expenses and other needs requiring extra funds.
Limit	From 25,000 €. The upper limit is equal to the average monthly turnover of the company.
Payment term	Up to 1 year
Contract fee	1% of the loan amount, from 350 €
Collateral	Mortgage on real estate Guarantee or collateral for a private individual or legal person Up to 80% of KredExi guarantee and 80% of MES-i guarantee
Requirements for the borrower	The company has been in business at least two years The company and persons related to it do not have any payment defaults