Credit limit

Running a private business is a great responsibility and hard work.

A credit limit allows you to quickly respond to the challenges of your business. After conducting a financial analysis, the bank defines your credit limit, i.e. your maximum potential debt to the bank in the context of short-term and long-term loans. Within the framework of the defined credit capacity, you can use the credit service and documentary bank products of your choice.

This will allow for more flexibility when you do business and enable you to react promptly to new situations and opportunities.

A practical example of the use of a credit limit

You have to make a payment, but do not have enough funds. Use your credit limit, activate your authorised overdraft, and repay the funds from the next inflow.

You need to finance the purchase of goods and production inputs. In accordance with the approved credit limit, activate a loan for working capital and make payments on time and/or ensure a more favourable purchase price through advance payment.

Seize good opportunities – use your long-term limit to activate an investment loan to:

  • Buy a machine that you need
  • Buy commercial premises that you have been planning to buy for a long time
  • Modernise equipment to make your business more efficient

The procedure for granting a credit limit is very simple and involves two steps:

  • We will determine your credit potential using a single analysis
  • We will approve funds in advance for all your business need

Credit limit


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