Overdraft / credit limit
A flexible buffer for seasonal working-capital swings. Typical amount: limit sized to need (typ. €10k–500k) (Euribor + margin + limit fee).
Facts last verified 23.7.2026
A flexible buffer for seasonal working-capital swings. If the limit is always full, a term loan or factoring is usually cheaper.
Key facts
- Provider: Banks
- Type: Credit line
- Typical amount: limit sized to need (typ. €10k–500k)
- Rate / terms: Euribor + margin + limit fee
- Legal basis: Market terms
- Who it is for: Micro to large companies · working capital
How to apply
There is no application form here — this is a negotiation. Banks assess repayment ability and collateral: bring up-to-date financials, a cash-flow forecast, and a clear use of funds. Investors assess the growth story: bring evidence of traction and a defensible view of the market.
Competition works in your favour. Terms for loans, leasing, factoring and investment vary widely between providers, and a second offer is the strongest negotiating tool there is.
Public instruments often stack with market financing — a Finnvera guarantee can turn a bank's no into a yes, and a grant-funded project makes the investor case stronger.
Frequently asked questions
How much funding does Overdraft / credit limit provide?
Typical amount: limit sized to need (typ. €10k–500k). Support level / terms: Euribor + margin + limit fee.
Who can apply for Overdraft / credit limit?
Provider: Banks. Company size: micro, small, medium, midcap, large. Typical use: working capital.
On what legal basis is Overdraft / credit limit granted?
Market terms.
Indicative screening information, not advice. Amounts and rules change, so confirm the current terms and eligibility with the provider before you rely on them.
← All funding options