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Loans

An experienced, modern and professional bank providing high-quality financial services and a flexible approach.

Today, a rare company is able to develop and grow successfully without using loans in financing its operations. We are ready to offer individual financial solutions according to customer’s needs. Our customer should know only the purpose of the loan, and we will recommend the most suitable type of loan, type of interest rate, and payment schedule.

Loan Services

Short-term Financing



  • Credit line: a short-term loan for companies, which is intended for the financing of current assets, including the financing of import and export trade operations with liquid commodities.

  • Factoring: short-term financing of the company’s current assets in exchange for transferring the right to cash flows against the purchaser (debtor) to the bank.

  • Credit card: a short-term loan for increasing current assets, booking and paying for rented cars, paying for employees’ business trips and other expenses.

Long-term Financing



  • Loan: a long-term loan for companies, intended for the implementation of new business projects, acquisition and repair of immovable property, as well as acquisition of equipment and vehicles.

  • Leasing: the most convenient and beneficial type of financing intended for the acquisition of new cars, tractor machinery, as well as production and other equipment.

For information

Principal financial information to be provided for considering a loan:

  •  a brief description of economic activities;
  • audited (and/or submitted to the SRS) financial statements for the last two full reporting periods and an operational financial statement with explanations, including explanations of the Statement of Profit or Loss, explanations of items of the Statement of Financial Position, the share of which is at least 10%, a list of non-current assets;
  • a turnover overview of the receivables account, specifying by buyers the start balance, debit turnover, credit turnover, end balance separately by periods;
  • a turnover overview of the payables account, specifying by suppliers the start balance, debit turnover, credit turnover, end balance separately by periods;
  • current financial obligations: agreement amount, balance, interest rate, repayment schedules;
  • an up-to-date EDS printout “Payment status of budget payments (according to the data of the SRS department of registration) for tax overpayments/debts” and tax payment schedules, if any;
  • the planned cash flow for the planned loan repayment period with the principal assumptions;
  • planned investments for the two upcoming years, their planned sources of financing;
  • appraisals of the offered collaterals not older than six months;
  • ESG questionnaire.

Documents

Application of a Legal Entity – Potential Borrower
Application of a Legal Entity – Potential Lessee
List of Appraisers and Insurance Companies
List of Appraisers

Other products

Products that could be of interest

Contacts

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We will kindly answer to all Your questions during bank working hours. Call +371 67 359 000



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We will not only help You find answers to your questions, but we will also offer individual solutions. Write please to [email protected]



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