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Express overdraft




Express overdraft

Your organisation is in urgent need of additional working capital and an express payment has to be made but, just right now, you are short of funds in your bank account? We have the solution to your problem!

Apply online
Express overdraft

Sum, RUBTermAnnual interest rate, %
100 000 – 5 000 000Up to 12 monthsFrom 11%
  • Continuous debt term — maximum 30 calendar days.
  • Time of doing business — minimum 6 months.
  • You operate in a region where the Bank of Moscow maintains a presence.

No collateral

  • To get an overdraft, only surety from the owner(s) of the business is needed.

No turnover required

  • Provision of an overdraft even if there is no turnover in the Bank of Moscow when the contract is signed. To get the overdraft, you merely need to confirm turnover in another bank!

Low interest rates

  • You cut your costs, allowing you to invest the released funds in the business.

Monthly overdraft limit change

  • The overdraft limit may be reviewed when proceeds to the Bank increase.

The required sum is always to hand

  • Multiple access to credit throughout the term of the overdraft agreement. The funds may be accessed in instalments, in the amount you need for making payments.

Simple repayment

  • The overdraft is paid off automatically: not need to execute payment documents for paying off the overdraft and submit them to the Bank.

Minimum application consideration time

  • You can soon make use of the loan from the Bank.

Main documents required for initial consideration of the loan application

  • Constituent documents (apart from clients of the Bank);
  • Financial reporting (balance sheet and profit and loss statement for the latest reporting date or tax declaration and income and cost ledgers if you use simplified reporting);
  • List of collateral offered, indicating its value (if available).

Five steps to getting a loan

Step 1Confirm turnover and put together the requisite set of documents.
Step 2Ask for a qualified Bank officer to appraise your business.
Step 3Obtain a positive overdraft decision.
Step 4Open a disbursement account.
Step 5Sign the agreements and use the overdraft.


For more information on loans please address any banking facility or regional branch of the Bank of Moscow or call +7 (495) 925-80-00, 745-80-00, 745-79-65 (Foreign Clients Department).

Please e-mail any request, question, demand or information on small business lending to: kmb@mmbank.ru. Your enquiry will be processed in the shortest possible time. We’ll contact you under all circumstances.



Attention! Any documents submitted to the Bank must be completed in Russian.
The texts of documents/forms in Russian can be found on our Russian version website.