Overdraft (OD)

Have you ever experienced or will probably encounter failure of winning the advantage from unpredictable opportunities due to unavailability of reserve fund? Never be worry, APD Bank's OD Facility should be one of your best solution where you will be able to effectively optimise your cash flow.

Purpose of Loan


  • Additional working capital.

  • For own business use.

  • For refinancing existing loans.


  • Additional working capital.

  • Working capital and business expansion.

  • For refinancing existing loans.

Other Key Features & Benefits

  • Loan Tenure            : Up to 15 years.

  • Loan Amount          : Up to 70% of collateral value.

  • Collateral                 : Land/Building/Term Deposit Certificate.

  • Interest Rate           : Competitive interest rate.

  • Repayment              : Flexible installment.

  • Eligible Applicant    : Individuals attaining age of 18 years or above and business entity.

Required Documents

  • National ID Card and/or Passport

  • Residence Book/Family Book (Optional and subject to Bank's request)

  • Title Deed/Ownership Certificate of the collateral (property to be hypothecated)

  • Company Registration Documents & Business License (for company/corporate)

  • Financial Statements/Income-Proof documents

  • Other Documents (Subject to Bank's request)


Please visit any of our branch nearest to you or contact with our loan staff for details.

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© 2020 by Asia-Pacific Development Bank Plc. (APD Bank)