Loans

As a No. 1 bank in Serbia we are poised to back you up with our own resources and help you develop your small business, knowing how much such support can mean to a growing business such as yours. Having recognized needs and operative dynamics of small businesses and entrepreneurship, and with a strong support of our mother bank group Intesa Sanpaolo and global financial institutions, we offer you a wide range of loan products at quite favourable conditions.

  • Types of loans
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Loan for Non-current Working Assets - EFSE Obrt

Supporting the stability of your business

  • Loan indexed in euros
  • Repayment period up to 36 months
  • Grace period up to 6 months
  • Repayment in equal monthly instalments
  • Simple and quick approval procedure

Loan is intended for funding of non-current working assets.

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Investment Loans – EFSE Invest

The purpose of the loan is purchase of fixed assets

  • Loan indexed in euros
  • Repayment period up to 120 months
  • Grace period up to 6 months
  • Repayment in equal monthly instalments
  • Simple and quick procedure

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Loan for Businesswomen – EBRD

Behind every successful woman there is her good decision!

As a means of support to women in business, in cooperation with the European Bank for Reconstruction and Development (EBRD), we have created a special credit line for purchasing working assets or investment with numerous benefits:

  • Attractive interest rate for loans indexed in euros – 5.5% annually, fixed (effective interest rate of 6.86%)
  • Minimal collateral in the form of promissory notes for loans of up to EUR 25,000 and repayment period of up to 60 months

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Long-term Loans for Financing Energy Efficient Projects –KFW

Invest wisely and save energy and money

  • Loan indexed in EUR
  • Repayment period up to 60 months
  • Grace period up to 6 months
  • Repayment in equal monthly instalments
  • Simple and quick approval procedure
The purpose of this loan is investment in fixed assets for energy saving.

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Italian Credit Line

Special purpose loan for purchase of fixed assets

  • Loan indexed in euros
  • Repayment period up to 96 months
  • Grace period up to 2 years
  • Repayment in equal six-month instalments
  • Simple and quick approval procedure

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Loan without interest for the purchase of fuel

Purpose of this loan is to finance the purchase of gasoline and euro diesel fuel at LUKOIL gas stations

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Documents needed when applying for a loan

·Documents on the status (Registration certificate, Tax identification number, Notarized signatures of authorized persons (OP form), Founding act and statute, ID of the applicant – an authorized person),

·Financial documents (Financial reports for the last two reporting periods, gross balance (Trial balance) – the last updated balance (for entrepreneurs also clean Tax certificate), compliance for issuing Credit bureau statement),

·Documentation on collateral (status and financial documents for co-debtor, Real estate cadastre certificate, Land registry certificate, Title deed, invoice, pro-forma invoice, Single administrative document),

·Additional documents, depending on the specificity of the loan application and the client’s business operation.