Working capital and liquidity loans

In order for the Client to ensure business continuity, a certain amount of inventory, i.e. raw materials and materials, semi-finished products, finished products and goods is needed at all times, especially when it comes to rapidly developing small-sized enterprises and entrepreneurs.

The Bank approves working capital loans for financing operating liabilities, purchase of goods, raw materials, finished products, materials or processed materials (inventory financing), payment for services, financing of imports and exports, other needs related to regular business operations, refinancing of existing working capital loans.

PURPOSE

Working capital financing
Financing current liquidity
Refinancing liabilities and loans in other banks

CURRENCY

RSD
RSD with currency clause, indexed to EUR

AMOUNT

From RSD 100,000.00 to RSD 80,000,000.00
From EUR 1,000.00 to EUR 750,000.00 in RSD equivalent at the official middle exchange rate of the NBS

LOAN REPAYMENT PERIOD

Short-term working capital and liquidity loans up to 12 months
From 15 July - Long-term working capital loans up to 36 months
Long-term loans for permanent working capital up to 60 months

MINIMUM SECURITIES

Blank promissory notes issued by an entrepreneur
Personal promissory note issued by a natural person - owner
In case of related legal entity/entrepreneur - guarantee

For loans with a repayment period of over 36 months and/or loan amounts over EUR 20,000.00 (in RSD equivalent):

Pledge on movable property and/or first-rank mortgage on registered immovable property. Movable or immovable property insurance policy (issued by an insurance company acceptable to the Bank) assigned to the Bank

* Depending on the Client's creditworthiness, loan period and amount, the Bank reserves the right to accept additional collateral that it deems acceptable in accordance with the Bank's internal acts.