BIZnest Overdraft

Extra money
in your account.
No use, no pay

Fair and convenient

up to 350,000 PLN
maximum amount for entrepreneurs

up to 650,000 PLN
maximum amount for freelancers (professionals)

as low as 2.49%
Commission for granting the overdraft facility

No commission for availability – you don't pay for the funds that you don't use
Social insurance institution and tax office certificates required only at the stage of launching the loan
We accept statements from accounts of other banks

Do you have overdraft in another bank? Transfer it to us!

0 PLN
Commission for transferring the overdraft

0 PLN
Commission for readiness

36 months
Maximum loan term

Overdraft for an entrepreneur or a professional? Find out which offer is right for you

BIZnest Account Overdraft may be applied for by an entrepreneur, i.e., a sole trader – in order to be able to apply for BIZnest Account Overdraft, an entrepreneur must prove having conducted their activity for a minimum of 24 months preceding the date of submitting the application for the overdraft.

BIZnest Account Overdraft may be applied for by a professional, i.e., a person performing a freelance profession such as a doctor, dentist, veterinarian, lawyer, legal advisor, notary or physiotherapist. In order to be able to apply for BIZNest Overdraft in the Account, a professional must prove having performed a freelance profession for a period of at least 24 months preceding the date of submitting the application for the overdraft, while in the period of at least 12 months before the date of submitting the application, it is necessary to obtain income as part of sole proprietorship.

Secure financingfor your business

Security in the form of a PLD de minimis guarantee
The offer of loans with the PLD de minimis guarantee is addressed to companies from the SME sector possessing creditworthiness and meeting the requirements of the "Supporting entrepreneurship through Bank Gospodarstwa Krajowego sureties and guaranties" program.
Nest Bank participates in the government program "Supporting entrepreneurship through Bank Gospodarstwa Krajowego sureties and guaranties".
Take the offer
Protect yourself and your loved ones up to the amount of your business account overdraft
Check the life insurance offer up to the amount of BIZnest Account Overdraft.
Learn more

Easy and convenientoverdrafts

Without having to visit the bank - we visit the customer on request. Sign the agreement at a location convenient for you
Initial lending decision in 5 minutes
Credit tailored to your company’s capacity – we test creditworthiness based on turnover
Funds available in your account even in 24 hours

Transparent rules

Convenient repayment method – every inflow into your account automatically reduces debt
You don't have to repay capital every month. Only the interest is payable on a monthly basis
Simple rules for maintaining overdrafts

What can I use the Business Overdraft for?

For unforeseen expenses of your company, e.g., equipment repair, renovation, software purchase
For your business operations when you await payments from business counterparties
For unexpected business opportunities or any other purpose related to your business operations
How could I get BIZnest Overdraft?
Contact an advisor on the hotline number 22 438 41 42 or request a conversation with an advisor
You will submit your application with the help of an advisor during a telephone conversation
You will receive an initial lending decision even within 5 minutes
We will transfer the funds even within 24 hours after signing the agreement with the advisor
Offer intended for Polish citizens.
Select the method of settlement with the tax office