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Overdraft facility helps to keep the cash flow stable

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

Always consider your credit decisions carefully. Review the terms and conditions and consult with our specialist.

Contact

Marko Kiisa

Head of SME Financing

680 2650

680 2650

marko@lhv.ee

Tanel Oru

Business Loan Manager

684 2295

684 2295

tanel@lhv.ee

Kaidi Bakler

Business Loan Manager

684 2217

684 2217

kaidib@lhv.ee

Veronika Mäemets

Business Loan Manager

684 6146

684 6146

veronika@lhv.ee

Johan-Martin Logina

Business Loan Manager

684 8286

684 8286

johan@lhv.ee

If you want to apply for a loan in the sum of more than 500,000 €, please contact us so that we can discuss the options.


Indrek Nuume

Member of the Management Board

Head of Business Banking

680 2622

680 2622

indrek.nuume@lhv.ee

Kristiina Säre

Head of Business Banking Department

684 2221

684 2221

kristiina.sare@lhv.ee

Egon Rand

Business Client Manager

680 2768

680 2768

egon.rand@lhv.ee

Marin Moks

Business Client Manager

680 2706

680 2706

marin.moks@lhv.ee

Anu Sillari

Business Client Manager

684 6144

684 6144

anu.sillari@lhv.ee

Eneli Oras

Business Client Manager

684 6907

684 6907

eneli.oras@lhv.ee

Krislin Lehtsaar-Purru

Business Client Manager

684 8342

684 8342

krislin.lehtsaar-purru@lhv.ee

Urmas Tsahkna

Head of Corporate Banking

680 2752

680 2752

urmas.tsahkna@lhv.ee

Rainar Paavo

Corporate Client Manager

684 2275

684 2275

rainar.paavo@lhv.ee

Meelis Liivak

Corporate Client Manager

680 2761

680 2761

meelis.liivak@lhv.ee

Anne-Mai Sallaste

Corporate Client Manager

684 2605

684 2605

anne-mai.sallaste@lhv.ee

Kristy Kaljumäe

Corporate Client Manager

684 8359

684 8359

kristy.kaljumae@lhv.ee

Jürgen Raag

Head of Real Estate Financing

680 0446

680 0446

jurgen.raag@lhv.ee

Lenna Pedras

Client Manager of Real Estate Financing

6846 117

6846 117

lenna.pedras@lhv.ee

Taago Hiiesalu

Head of Business Banking (South Estonia)

680 2714

680 2714

taago.hiiesalu@lhv.ee

Arti Albert

Business Client Manager (South Estonia)

680 2749

680 2749

arti.albert@lhv.ee

Rauno Rändla

Business Client Manager (West Estonia)

684 8231

684 8231

rauno.randla@lhv.ee

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