1. Business Finance
  2. Funding
  3. Business Overdraft - Podnikatelský kontokorent

Reserve amount up to 5 million CZK

With a favorable individual interest rate

You draw only as much as you need

You repay with each received payment.

No fees for arrangement

We will approve and set up an overdraft on your account completely free of charge.


Overdraft loan for entrepreneurs and small businesses

Whether you are an experienced businessman or your business is just starting – if you face unexpected expenses, the overdraft is here for you. You have the money available directly in your account whenever you need it.

  • You can get a loan up to 3 million CZK without collateral.
  • Loans over 3 million CZK up to 5 million CZK are available with real estate collateral.

Benefits for you 

  • When assessing your creditworthiness, we also consider turnovers on your business accounts at other banks.
  • You can deduct the interest on the loan used for business as expenses.
  • If you are a business owner, you do not have to sign a promissory note for a loan up to and including CZK 1,200,000.

When can an overdraft be useful?

Bridging the period before invoice payment

An overdraft helps you cover operating costs during the period when you are waiting for invoice payments to arrive in your account. This way, you don’t have to delay payments to suppliers or employee salaries.

Handling unexpected expenses

Unplanned machine repairs, stock shortages, or other unforeseen events – these situations can catch you off guard in business. Thanks to an overdraft, you can handle them without unnecessary stress.

Taking advantage of unexpected business opportunities

Sometimes a unique opportunity arises to purchase goods at a favorable price or invest in development. An overdraft allows you to act quickly without waiting for approval of a traditional loan.

The application process is very simple.

You just need to meet these 3 requirements:

Be an entrepreneur or a company with annual turnover within this range.

You need a valid tax return for the previous accounting period.

You submit a balance sheet and a income statement.

You can easily apply for an overdraft through your online banking.

You can arrange an overdraft in internet banking, and for applications up to 500,000 CZK, also in the mobile app.