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Overdraft

  • Cover unexpected expenses and increase cash flow
  • Use credit for you own discretion
  • Account is balanced with incoming payments
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Agreement term

Up to 1 year

Financing limit

Starting from 3000 euros

Collateral

  • Pledged property which you purchase or renew with the loan.
  • Immovable and movable property, surety and securities as additional guarantee.
  • It is possible to apply for a guarantee up to 80% of the credit limit from Fund KredEx and up to 80% in rural areas from the Rural Development Foundation (RDF).

Required documents

  • Filled loan application.
  • Latest annual report and interim report on current financial year.
  • Financial projections.
  • A valuation report if a property is offered as collateral.
  • If you are not a customer of SEB, account opening is needed.

Service fees

1. Home loan, mortgage loan  
- agreement conclusion 1% of the loan amount, min. EUR 250
- agreement amendment (1) up to 1% of the remaining loan, min. EUR 250
- changing the payment date once in a year free of charge
- changing the payment date as of the second change of payment date in one year EUR 20
- change of the current account(s) related to the loan EUR 20
- extending the loan disbursement period EUR 50
- grace period for the principle amount of the loan EUR 50
2. Consumer loan  
- agreement conclusion 1,5% of the loan, min. EUR 35
- agreement amendment (1) EUR 35
- changing the payment date once in a year free of charge
- changing the payment date as of the second change of payment date in one year EUR 20
- change of the current account(s) related to the loan EUR 20
- grace period for the principle amount of the loan EUR 20
3. Overdraft  
- agreement amendment (1) EUR 15
- changing the payment date once in a year free of charge
- changing the payment date as of the second change of payment date in one year EUR 20
4. Student loan  
- agreement conclusion free of charge
- agreement amendment (1) free of charge
- amending the student loan repayment schedule free of charge
5.Endowment loan  
- agreement amendment (1) up to 1% of the remaining loan, min. EUR 250
- changing the payment date once in a year free of charge
- changing the payment date as of the second change of payment date in one year EUR 20
- change of the current account(s) related to the loan EUR 20
6. Limit loan  
- agreement amendment (1) up to 1% of the loan limit, min. EUR 35
- changing the payment date once in a year free of charge
- changing the payment date as of the second change of payment date in one year EUR 20
7. Other loan-related services  
-contractual penalty for the violation of the notification obligation stipulated in the agreement, incl. for not submitting the insurance policy of collateral EUR 32
- contractual penalty for the violation of any other non-monetary obligation stipulated in the loan agreement up to 5% of the loan amount outstanding at the moment of violation
- re-registration of a pledge established on a building into a mortgage free of charge
- reminder of debt free of charge
- debt claim letter EUR 5
- certificate on paid interests (2) EUR 4

(1) All amendments to the loan, which have not been indicated under separate clauses in the price list (incl. amendment of collateral in a notarised or other form).
(2) Commission fee applies to certificates issued at a bank office. A certificate issued automatically in the Internet Bank is free for the client (for enclosing electronically to income tax return).

1. Investment loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
2. Working capital loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
3. Overdraft
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
- increasing the loan amount/limit 1% additional loan amount/limit, min EUR 200
4. Start-up loan
- agreement conclusion 1,5% of the loan amount
- agreement amendment 1% of the remaining loan /limit, min EUR 200
5. Apartment building renovation loan
- agreement conclusion 1% of the loan amount, min. EUR 200
- agreement amendment 1% of the remaining loan /limit, min EUR 200
6. Other loan-related services
- contractual penalty for the violation of any other non-monetary obligation stipulated in the loan agreement up to 5% of the loan amount outstanding at the moment of violation
- re-registration of a pledge established on a building into a mortgage free of charge
- reminder of debt free of charge
- debt claim letter EUR 5

Simple to apply

1.
Send us the filled application

2.
We will contact you with proposal or additional questions

3.
After a positive decision, sign the agreement

Options to finance your business’ purchases

Working capital loan

For covering temporary shortage of working capital or expenses.

Factoring

Change your invoices into cash flow. Offer extended payment terms to your clients, without reducing your working capital or sales volume.

Financing investments

Financing to support your business growth and bigger projects.

Want to make sure you find a suitable solution?

  • Our client executives will help you find the most suitable financing solution for your business
  • We have a dedicated team of professionals you can trust