Account overdraft limit for business customers

For flexible account management

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Bridge liquidity shortfalls with an account overdraft. It’s ideal if you need an alternative to current account credit or a corporate loan.

Account overdraft for business customers: adequate liquidity at all times

  • Flexible limit to bridge liquidity shortfalls in daily payment transactions

  • Account overdraft up to CHF 20,000 (up to equivalent value in foreign currency also possible)

  • Competitive interest rates and transparent conditions

You apply for an account overdraft limit, which is based on the average revenue in your PostFinance business account. The higher your business revenue, the higher your possible overdraft limit – up to a maximum of CHF 20,000.

Once the check has been successfully completed, the agreement will be concluded and the overdraft limit on your business account will be suspended. Up to the defined limit, you may overdraw the business account for a maximum of 30 days in a row. The business account must have a positive balance after 30 days at the latest or once a month.

Factsheet: Account overdraft limit for business customers (PDF) (PDF) The link will open in a new window

The account overdraft can provide short-term liquidity flexibility in the following situations:

  • Bridging short-term shortfalls in payment transactions
  • Paying salaries or supplier invoices on time
  • Paying in advance to purchase goods or make short-term investments
  • Cushioning short-term fluctuations in daily business

The following requirements must be met for a limit application:

  • Small and medium-sized enterprise domiciled in Switzerland
  • Business account has existed for at least 12 months
  • Satisfactory creditworthiness (no pending debt collection proceedings)
  • Revenue on PostFinance business account
  • No active COVID-19 loan
  1. Submit a digital application for an account overdraft. Please note that this type of application is only available to business customers
  2. We will check your application and the preconditions
  3. Within a few days, you will receive the documents for you to sign and return
  4. We will check the documents and your creditworthiness
  5. We will inform you of our decision in writing
Current interest conditions
9.5%
Term / Overdraft duration

The account overdraft serves to bridge short-term liquidity shortfall. The requested overdraft limit is granted for a maximum of one month (30 days). The account must have a positive balance at least once a month or at the latest once the time limit has expired.
Validity
The agreement is concluded for an indefinite period and can be cancelled in writing by either party at any time without giving reasons.
Currency
CHF or foreign currency
  • Interest only on overdraft limit actually used
  • No commitment fee and commission
  • Account overdraft limit possible without collateral

  • An account overdraft provides companies with a flexible way to bridge short-term liquidity shortfalls. Your limit is calculated individually based on the revenue on your business account and creates additional financial flexibility. Interest is charged only on the amount you actually use – without any stand-by charges or commissions. Ideal for dynamic cash management.

  • The creditworthiness check is crucial for approving a limit. Companies must prove they have satisfactory creditworthiness in order for their account overdraft to be approved. This includes a check of their current debt collection information and sufficient revenue on their PostFinance business account. Companies with a current COVID-19 loan are excluded.

  • The overdraft limit is based on the revenue that your company processes via its PostFinance business accounts. The limit is calculated individually. As the check is based on your revenue and creditworthiness, your preferred overdraft limit cannot be guaranteed.

  • Yes, corporate customers can apply for an account overdraft conveniently online. It takes around five minutes to complete the digital application.

    After you submit your digital application, the preconditions and your creditworthiness will be checked. Within a few days, you will receive the contract documents by post for you to sign. Once these have been returned, your limit will be approved within a few days. You can speed up the process by ensuring your submission is complete and correct.

  • In the digital application, you will be asked to provide the applicant’s personal details and the IBAN of your business account. The necessary forms will then be sent to you by post for you to sign.

  • After a successful creditworthiness check and approval, the limit will be applied directly to your business account. You can overdraw the account up to the maximum limit for 30 days. It’s easy to access: you can use your business account as usual for all payment transactions – transfers, debits or card payments. No additional steps are required, as the overdraft is integrated into your account as a flexible limit and can be used immediately.

  • The maximum overdraft period is 30 days. The business account must have a positive balance by the deadline. Exceeding your limit may result in a reduction of the limit or termination of your agreement. Regular repayment is therefore essential.

  • Your overdraft limit will be adjusted if there is a significant change in revenue on your business account or if your company’s creditworthiness deteriorates. Changes will be made after an individual review by PostFinance and will be communicated in writing.

  • Current account credit is a long-term credit facility that can be used on an ongoing basis, while account overdrafts are a short-term solution for bridging liquidity shortfalls. The account overdraft is limited to a maximum overdraft period of 30 days and offers flexibility without long-term commitment – ideal for SMEs with variable liquidity requirements.

  • A corporate loan, also known as a fixed advance, is a long-term financing instrument with fixed repayment terms. PostFinance offers corporate loans for SMEs in cooperation with LEND.

    The overdraft, on the other hand, is short-term, unsecured and can be used flexibly. Interest is due only on the amount actually used. For companies that need quick and easy financial flexibility, an account overdraft is an attractive alternative.

Arrange account overdraft limit

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