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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

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

Legal entities registered in Estonia, including NGOs, foundations, general partnerships, etc.

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


If you want to apply for a loan of up to 1,000,000 €, please contact us so that we can discuss the options.


Marko Kiisa

Head of SME Financing

Tanel Oru

Business Loan Manager

Veronika Mäemets

Business Loan Manager

Raine Remmelg

Business Loan Manager


If you want to apply for a loan in the sum of more than 1,000,000 €, please contact us so that we can discuss the options.


Indrek Nuume

Member of the Management Board

Head of Business Banking

Kristiina Säre

Head of Business Banking Department

Egon Rand

Business Client Manager

Marin Moks

Business Client Manager

Anu Sillari

Business Client Manager

Eneli Oras

Business Client Manager

Urmas Tsahkna

Head of Corporate Banking

Rainar Paavo

Corporate Client Manager

Meelis Liivak

Corporate Client Manager

Anne-Mai Sallaste

Corporate Client Manager

Kristy Kaljumäe

Corporate Client Manager

Jürgen Raag

Head of Real Estate Financing

Lenna Pedras

Client Manager of Real Estate Financing

Taago Hiiesalu

Head of Business Banking (South Estonia)

Arti Albert

Business Client Manager (South Estonia)

Rauno Rändla

Business Client Manager (West Estonia)