Velika preduzeca - Krediti

CKB overdraft loan

Solve your current liquidity problems efficiently and under favourable terms with a CKB overdraft loan for large companies.

Target clients

CKB overdraft loan is intended for the companies that need additional funds to overcome the imbalance between inflows and outflows from their current operations. The product is about approving a limit on your giro account in the form of allowed overdraft. You can use the approved amount to pay your obligations, and any future inflow on the account will cover the used portion of the limit.


  • All the loan obligations are covered automatically, without giving an instruction to the Bank
  • Interest is only paid on the amount used

Documents required

  • Completed and signed application form
  • Copy of the registration decision
  • Copy of the decision on registering for VAT
  • Copy of the certificate on the activity classification (if any)
  • Copy of specimen signature card for the Bank account
  • Copy of OP Form (certified signatures of persons authorized to represent the company)
  • Statute and founding document
  • Financial statements (balance sheet, income statement, auxiliary forms, cash flow ) for the previous 3 years (certified by the Commercial Court or the Tax Administration)
  • Financial statements (balance sheet and income statement ) – year to date
  • Trial balance for the previous 2 years and year to date
  • Balance sheet and income statement for the previous 2 years for the company owner and/or subsidiaries (if the company owner is a legal entity and/or if there are subsidiaries)
  • Certificate of volume of account transactions with other commercial banks for the previous 2 year and year to date
  • Analytics of trade receivables (local/foreign) and analytics of trade payables (local/foreign) for the previous year and year to date
  • VAT report for the current year
  • Consent for access to Credit Register (RKB) from the company and company owner (and all subsidiaries and guarantor)
  • Loan repayment schedules with other banks
  • Land registry extract (title deed) not older than 15 days (if the collateral is real estate)
  • Value appraisal not older than 6 months, by the appraiser from the list of appraisers of CKB (if the collateral is real estate or equipment)
  • Other collateral documents

Product price

Interest rate and loan processing fee are determined on the basis of economic and financial analysis of the company, credit history, turnover on the accounts with CKB, and collateral quality and value.