Overdraft (O/D)

Working capital and liquidity whenever you need it.

Key Benefits

  • Credit available when you need it and you pay interest only on the overdrawn amount
  • There is no need to make regular repayments – you can pay back the O/D when it is convenient for you.
  • Receive working capital and liquidity for your business
  • Convenient for issuing cheques to your suppliers and business partners
  • You can repay your O/D whenever you want, at the branch counter, or online. You can check O/D transactions via Bualuang iBanking or BIZ iBanking 24/7.
  • Available for both individual and juristic person customers

Type of Loan

Loan for working capital and liquidity whenever you need it. An overdraft allows you to take out more funds than you have in your account up to your credit ceiling. It’s flexible as you can repay your O/D whenever you want.

Credit Line

As per Bangkok Bank’s conditions

Collateral

Deposits, property or movable property

Qualifying Criteria

  • Individual business owner or juristic person
  • Age 20 - 65 years old (for individual customers)
  • Good business performance and financial record
  • Authorization to Bangkok Bank to check National Credit Bureau record
  • Other conditions as specified by Bangkok Bank


Required Documents




Required documents

               Individual  

         Juristic person  

 Borrower/
 co-borrower

 Guarantor/
 spouse

   Juristic
   person

Authorized signatory/ shareholders who hold more than 20% of total stock
Identification documents
A copy of your ID card

-

A copy of your housing registration record

-

A copy of your changed name/surname certificate
(if applicable)

 

 

-

 

A copy of your marriage/
divorce certificate
(if applicable)

 

 

 

A copy of the trade or commercial registration papers

-

-

-

A copy of the certificate of association for business purposes and articles of association issued by the Commerce Ministry (not more than one month old)

-

-

-

The Memorandum and Articles of Association
(not more than three months old)

-

-

-

List of shareholders
(not more than three months old)

-

-

-

Certificate of the company’s seal

-

-

-

Financial documents
A copy of bank account activity for the past six months 

-

Copies of company financial statements for the past three years

-

-

-

A copy of VAT records
(dating back for six months)

-

-

-

Collateral documents
A copy of the documents of ownership to be pledged as collateral e.g. land deed, ownership of building (if the land has any building), deposit pass book (if using a deposit as collateral)

    

-

-


Remark: Bangkok Bank reserves the right to approve loans under its terms and conditions

Type of Loan

Loan for working capital and liquidity whenever you need it. An overdraft allows you to take out more funds than you have in your account up to your credit ceiling. It’s flexible as you can repay your O/D whenever you want.

Credit Line

As per Bangkok Bank’s conditions

Collateral

Deposits, property or movable property

Qualifying Criteria

  • Individual business owner or juristic person
  • Age 20 - 65 years old (for individual customers)
  • Good business performance and financial record
  • Authorization to Bangkok Bank to check National Credit Bureau record
  • Other conditions as specified by Bangkok Bank


Required Documents




Required documents

               Individual  

         Juristic person  

 Borrower/
 co-borrower

 Guarantor/
 spouse

   Juristic
   person

Authorized signatory/ shareholders who hold more than 20% of total stock
Identification documents
A copy of your ID card

-

A copy of your housing registration record

-

A copy of your changed name/surname certificate
(if applicable)

 

 

-

 

A copy of your marriage/
divorce certificate
(if applicable)

 

 

 

A copy of the trade or commercial registration papers

-

-

-

A copy of the certificate of association for business purposes and articles of association issued by the Commerce Ministry (not more than one month old)

-

-

-

The Memorandum and Articles of Association
(not more than three months old)

-

-

-

List of shareholders
(not more than three months old)

-

-

-

Certificate of the company’s seal

-

-

-

Financial documents
A copy of bank account activity for the past six months 

-

Copies of company financial statements for the past three years

-

-

-

A copy of VAT records
(dating back for six months)

-

-

-

Collateral documents
A copy of the documents of ownership to be pledged as collateral e.g. land deed, ownership of building (if the land has any building), deposit pass book (if using a deposit as collateral)

    

-

-


Remark: Bangkok Bank reserves the right to approve loans under its terms and conditions



Quick Access
News
Tweet this! Share on Facebook
PromptPayBualuang Get MoneyMoney TutorAEC ConnectYour Security FirstBualuang Phone

Copyright © 2001 Bangkok Bank Public Company Limited. All right reserved. Privacy Statement | Terms and Conditions
Suggested Site Settings | Site Map