You can spend a long time looking for an overdraft facility as a self-employed person
Or you could request it here directly

Enjoy every financial freedom too!

With BusinessLine, there is a credit limit of up to EUR 50,000.00 for the self-employed and for freelancers. Ideal for unexpected expenses and spontaneous wishes. Or for settling the often expensive overdraft facility provided by your regular bank – in total ease and comfort.

• Flexible: up to EUR 50,000.00* available at any time, flexible repayment, unlimited term**
• Free of charge: No account management fees and no handling fees
• Low interest rate: only 6.95%* p.a. debit interest for the first 3 months, thereafter, only 10.95 %* p.a. debit interest
• Convenient: settle your regular bank overdraft or pay bills at the click of a mouse
• No risk: guaranteed 14-day cooling off period

Calculate here the interest amount for your desired borrowing limit.

Typical example:

The overdraft facility for your personal success curve

• Greater financial freedom:
  With a credit limit of up to EUR 50,000.00 and an unlimited term,** you can finance unexpected expenses and spontaneous wishes. You can stay faithful to your regular bank. Your BusinessLine offers you additional freedom. It is good to have a financial reserve which you can fall back on at any time.
• Great flexibility:
  You repay only 3% per month (at least EUR 50.00) of the sum withdrawn, incl. interest, but you can pay back more at any time. If you settle your BusinessLine you incur no costs. You can draw on your BusinessLine within your credit limit as often as you wish. It's simple and flexible!
• Free service:
  There are no account management fees. Your monthly statements are provided free of charge in your online banking PostBox or by post if required (subject to postage fee).
• Low interest rate:
  You pay only 6.95%* p.a. debit interest for the first three months after opening the account – thereafter only 10.95%* p.a. debit interest. These interest rates are clearly below the market interest rate for overdrafts normally offered to you as a self-employed or freelance client. Compare our conditions with those of your regular bank: at just 2% difference, you save EUR 300.00 per year (based on a utilised credit of EUR 15,000.00).
• Simple, convenient access:
  Access your BusinessLine around the clock, online, by fax or in writing – to settle your regular bank overdraft or to pay bills, for example. We can handle telephone transfers (to your reference bank) from 9 am to 6 pm Monday to Friday on
  069 770750-444.
• No additional collateral:
  You will not require any additional collateral for the BusinessLine such as a guarantee or life assurance.
• If required, with KONTOPROTECTcomfort:
  Conclude an affordable residual debt insurance for your BusinessLine and protect your family and yourself from the financial consequences of unforeseen emergencies. For further details, please click here. (available only in German)

Fair and safe: the residual debt insurance for the BusinessLine

No one knows what the future brings. With KONTOPROTECTcomfort, of the residual debt insurance for your BusinessLine, we offer you a reasonable and affordable insurance for the worse case scenario.

• Effective protection:
  Payment obligations from your BusinessLine will be accepted in case of unforeseen emergency and you and your family are protected from financial burdens.
• Needs-based protection:
  As a self-employed or freelance client, you have the possibility of protecting yourself against the risks of disability, unemployment (after discontinuing self-employed activities on economic grounds) and death.
• Extensive benefits:
  With KONTOPROTECTcomfort, you will receive extensive benefits based on your personal situation. You will receive professional assistance in the event of unemployment or disability in order to be able to return to work as soon as possible.
• High age limits:
  Life assurance ends on reaching your 70th birthday and for all other risks on reaching your 65th birthday.
• Low premiums:
  An insurance premium will only be due if your BusinessLine actually shows a debit balance. You pay for the residual debt insurance only 0.89% per month of the average sum withdrawn.
• Voluntary decision:
  The conclusion of the residual debt insurance is voluntary and is not a requirement for setting up BusinessLine.

More details are available in our information sheet on residual debt insurance. (available only in German) The General Conditions of Insurance apply. Please read these carefully. (available only in German)

Secure your BusinessLine now!

There are three ways to apply for your BusinessLine:

• The quickest and easiest is the online application. (available only in German)
• Alternatively, you can also fill out your BusinessLine application on-screen and then print it off for dispatch by fax or post. Download the PDF application form here. (available only in German)
• Or call us and we will send you the application documents by post:
  069 770750-444 (from 9 am to 6 pm Monday to Friday).