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What advantages does the overdraft without mortgage from OTP Bank offer you?


Since we know your time is precious, we offer you online a financing product right into Internet Banking OTPdirekt platform or you can apply 100% ONLINE, directly on the https://www.otpdirekt.ro/credit-racheta platform and only after a few simple steps, we can offer you a quick response, in maximum 24 hours.
This will help you finance all running costs of your business. Therefore, you can access directly this financing product and make any type of cash payment and withdrawal, allowed by the law. In addition, in order to better manage your financial resources, you can use  the facility even for refinancing loans from other banks.


Moreover, we offer you a quick response, with no real estate-backed securities, through a simplified documentation, quick approval and fast implementation. The only necessary thing you need to do is the signing of a surety contract and a mortgage contract on all current accounts opened at OTP Bank.


In order to avoid the possible fluctuations of the exchange rate, we offer you a financing product in RON, for a maximum period of 12 months, with the possibility of extension.


The maximum amount of this facility is RON 200.000; it will be correlated with the company's financial cycle and the repayment will be made from daily operations, through current account, until the facility’s maturity.