Banking. Overdraft lending program (most important)

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Banking. Overdraft lending program (most important)

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Topic 88. Overdraft lending program

Overdraft lending is designed to promptly maintain the company's solvency in case of short-term delays in the receipt of funds to the current account (cash gaps).

The credit limit is set depending on the volume of receipts and the number of transactions on the current account; it is calculated as the average credit turnover for 3-5 days. Loans are provided in rubles and foreign currency. The minimum established limit is equivalent to 600 rubles.

The amount of an overdraft loan can be 10-30% from the average monthly volume of cash receipts to the enterprise’s current account with the Bank.

Advantages of this type of loan:

This type of loan does not require hard collateral. The basis for obtaining it is a stable turnover on the company's accounts.

The absolute value of interest on an overdraft loan compares favorably with interest accrued on term loans due to more efficient management of loan debt.

A preliminary decision on the possible amount of an overdraft loan and interest rates can be made on the basis of the company's turnover on its accounts in other banks.

It is possible to obtain a loan within a month after the start of the enterprise's work on the Bank's accounts.

During the term of the loan agreement, it is possible to recalculate the credit limit at the request of the borrower.

The repayment of the loan is carried out by the Bank without the participation of the Borrower, upon receipt of funds to the client's account.

Authors: Shevchuk D.A., Shevchuk V.A.

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