Overdrafts

Overdraft is a credit product for short-term customers, intended for financing current assets. Suitable for prompt provision of short-term needs. Overdraft provides customers with access to additional financial resources to fulfill their obligations to business partners.

The Overdraft Loyalty Project is a loan product designed to finance current assets (payments) of corporate clients in a short period of time.

Overdraft is very convenient for prompt provision of short-term customer requirements, allowing customers to use additional financial resources to timely fulfill their obligations to their business partners.

Allows the client to perform operations with the current account, exceeding the balances on current accounts. Unibank offers its customers an overdraft limit without collateral in a short period of time.

 

Who can use this product:

— Partners with Unibank for more than 12 months.

— Clients who have made turnover on their accounts for the last 6 months.

— Clients whose monthly turnover exceeds 5 000 AZN.

 

Limit:

— The amount is issued from 5 000  AZN to 100 000 AZN.

— The overdraft limit will be accrued on the basis of the current account turnover in Unibank.

— Term of use of the limit: 2 (two) months.

— The first 7 days without interest, the annual interest rate is 18%.


Get business loans from Unibank via İnternet-Banking with just one touch, without collateral and online within 15 minutes!

The project "Acquiring Overdraft" is a loan product assigned to corporate clients for short-term financing of current assets (payments).

Overdraft is very convenient for prompt provision of short-term customer requirements. This product allows customers to use additional financial resources in fulfilling their obligations to their business partners.

Allows the client to perform operations with the current account, exceeding the balances on current accounts. Taking into account the client turnover on POS-terminals of Unibank, within a short period of time the client is offered a loan with an overdraft limit without collateral.

 

Who can benefit from Overdraft based on turnover:

— Partners with Unibank for more than 12 months;

— Unibank (using POS-terminals) joined the acquiring program for more than 6 months.

 

Limit:

— The amount is issued from 5,000 AZN to 100,000 AZN.

— The overdraft limit will be accrued on the basis of the client's turnover in the POS-terminals of Unibank.

— The period for using the limit is 3 (three) months.

— The annual interest rate is 25%.


Get business loans from Unibank via İnternet-Banking with just one touch, without collateral and online within 15 minutes!

The Overdraft payroll programme is a credit product intended to finance salaries by corporate customers. It brings the customers joining the Unibank payroll programme special opportunities. Namely, such corporate customers will be able to borrow loans fast and without collateral. If a company has a short-term cash shortage or a certain delay in disbursing the salaries, the business owners connected to the payroll programme can address such problems in just one day. The payroll overdraft offers them interest-free loans without collateral for 14 days.

 

Who can borrow such loans:

— The customers that have co-operated with Unibank for longer than 12 months;

— The customers who became connected to the payroll programme more than 6 months in advance.

The Limit: 

— The Amount – starts at 10 000 AZN;

— The overdraft limit calculations are based on the payroll turnovers of the customer on the account with Unibank;

— The limit usage period will be 3 (three) months;

—  No interest will accrue during the first 15 days. The annual rate of interest is 30%.

 

 Get business loans from Unibank via İnternet-Banking with just one touch, without collateral and online within 15 minutes!

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