CKB EU COSME overdraft loan

  • Loan amount: from EUR 10.000 up to EUR 150.000  
  • Disbursement by approved amountactivation on company’s account
  • No mortgage required, on company’s promissory note and personal promissory note
  • For CKB and non - CKB clients
  • Fixed interest rate

Product description

The purpose of this overdraft loan is to enable the clients of the Bank to overcome imbalances between inflow and outflow of funds from the current business operations (by solving liquidity problems). 

This financing is made possible through the support of the EU guarantee for Debt Financing with the financial backing of the European Union under the Loan Guarantee Facility established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Program for the Competitiveness of Enterprises and small and medium enterprises (COSME) (2014-2020).

Product price

The interest rate and approval fee are determined on the basis of economic and financial analysis of the company, credit history and turnover on the account with CKB.


  • Personal promissory note
  • Company promissory note
  • Authorization of collection rights of the company

How to apply for a loan?

The SME overdraft loan application, along with the necessary documentation, should be submitted to a SME Relationship Manager. Upon the completion of the decision making process, the SME Relationship Manager will inform the client whether the application has been approved and upon which terms and conditions. Detailed information about the product may be found in the info-sheet.

Approval of SME overdraft loans depends upon internal criteria of the Bank and general business conditions of CKB.


You can get more details about the product by visiting the nearest CKB branch or by calling the CKB Call Centre at 19894.