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Operational funding of your business
You only pay interest on the amount you actually use
You do not need to submit invoices, contracts, or other documents
The loan is usually provided without property as collateral


Bank overdraft will let you use money up to the agreed limit repeatedly and respond flexibly to cash flow fluctuations. The amount and period depend solely on your needs.
  • You can use the overdraft by submitting a payment order, withdrawing cash, or paying with your card.
  • Any incoming payments or deposits into the respective account are automatically used to repay the overdraft.
  • You can use the overdraft in various currencies.
  • The overdraft can be linked to extensive cash management services.
  • You can set the overdraft limit according to your needs.

A short-term binding or non-binding overdraft allows you to use money up to the negative balance limit in the current account with Raiffeisenbank. The current balance is continually paid off from incoming payments.
The overdraft can be provided on the basis of a separate agreement or as a line of credit
(separately or along with other products, e.g. revolving loans or trade financing products – guarantees, letters of credit). Combining these products into a single line of credit is conditional upon their having the same maturity and security.
In addition to CZK, the loan can be used in other currencies (EUR, USD).
The interest rate is usually set as a sum of PRIBOR, LIBOR, LIBOR in EUR, or EURIBOR for the given interest period and a fixed surcharge in percentage points p.a.
The maturity of the loan is usually one year, and the loan can be extended.


  • The applicant is authorised to do business in the Czech Republic.
  • Approval of the loan application. We usually require standard documents to accompany the loan application, typically, financial statements, an annual report, an auditor’s report (if any), etc.
  • Signing a loan agreement.
  • Satisfying the conditions precedent.