SME Working Capital Loan

Product Parameters:

Currency ALL, EUR, USD
Amount Up to ALL 140,000,000 or Equivalent in other currencies
Maximum Tenure
  • Overdraft 12 months 
  • Working capital needs: up to 36 months
Loan purpose
  • Working capital needs (e.g paying suppliers; paying taxes etc.)
  • Mortgage on immovable properties 
  • Pledge on movables 
  • Personal Guarantee of the business owners.
  • For the OD:
    • Monthly interest payment, principal at the maturity
  • For the TL:
    • Equal monthly instalments 

Eligible clients

  • Companies with turnover above ALL 14 million based on the analysed data
  • Client is operating the activity since at least one year 
  • Client has the license before the application 
  • Clients should have paid the taxes

1.Legal Documents:

  • NIPT 
  • QKR extract 
  • By law of the Company 
  • Passport of the Administrator 
  • Other documents required case by case 
  • Foundation act 
  • Certificates from Bailiff Office, Tax Authorities etc.

2. Financial Documents:

  • Balance sheet 
  • Profit & Loss 
  • Cash flow 
  • Contracts with customers, suppliers 
  • Account statements in other banks 
  • Other docs. Required case by case

3. Collateral Documents

  • Certificate of the property
  • Fresh cartel 
  • Origin of Property Verification 
  • Property Insurance
  • Other docs. Required case by case

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