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About SME Micro Loans

A loan for investment and current assets at favourable conditions.

  • A loan in the amount of up to EUR 25,000 for the implementation of viable business projects.

  • The loan term is up to 8 years for investment loans and up to 5 years for current asset loans.

  • The fixed interest rate of the loan is within the range of 5% up to 7% per year + the price of the Treasury resources.

  • The copartnership of an entrepreneur is 10% in projects the total sum of which exceed EUR 7,000.

  • Loans up to EUR 5,000 will be linked to the business owner (-s) holding at least 10% of capital shares, private guarantee (if the borrower is an individual merchant, you do not need to provide a guarantee) or collateral value must be from the 74% of the loan amount.

  • Loans over EUR 5,000 - collateral value must be from the 74% of the loan amount.

  • The objective of the loan is to implement a small, viable business project for micro, small and medium-sized enterprises.

  • Financial aid is provided as de minimis aid in accordance with Commission Regulation (EU) No. 1407/2013 of 18 December 2013.