Entrepreneurs & Small Business

• Loans
  • Micro Enterprises
  • Small Enterprises
  • Entrepreneurs
    • Overdrafts
    • Business Payment Cards
    • Metro and Crédit Agricole Credit Cards
    • Revolving Credit Facilities
    • Mid-Term Loans
    • Short-Term Subsidized Loans
    • Long-Term Investment Loans
    • Long-Term Loans for Purchase of Business Premises
    • Long-Term Co-Financed Investment Loans
    • 100% Cash Covered Loans
• Metro and Crédit Agricole Credit Cards
• POS terminals

Small Enterprises

Overdraft

• Purpose: financing of daily needs for working capital
• Repayment: semi-annual

Revolving credit facility indexed in EUR

• Purpose: financing of periodic needs for working capital

Within approved revolving it is possible to issue guarantees, avals and letters of credits.

• Repayment: In the last month of the facility term; it is not possible to use funds and letters of credit, avals or guarantees in the last month of term on which the credit is granted.

Revolving RSD credit facility

• Purpose: Financing of periodic needs for working capital

Avals, letters of credit and guarantees

• Repayment: In the last month of the facility term; it is not possible to use funds, letters of credit, avals or guarantees in the last month of term of credit facility

Mid-term RSD credit

• Purpose: Financing of working capital
• Repayment: Monthly annuities

Mid-term credit indexed in EUR

• Purpose:
  • Financing of working capital
  • Rescheduling/refinancing of obligations and credits in other banks
  • Financing of permanent working capital
• Repayment: Monthly annuities

Long-term investment credit

• Purpose: Financing of mid-term business needs (purchase of equipment, machines, vehicles)

Purpose of credit must be specified and documented (invoices, contracts).

• Repayment: Monthly / Quarterly / Semi-annual

Long-term credits for purchase of business premises

• Purpose: Purchase, construction or refinancing of own investment in business premises

Purpose of credit must be specified and documented (invoices, contracts).

• Repayment: Monthly / quarterly annuities 

100% Cash Covered Credit

• Purpose:
  • Working capital
  • Fixed assets
• Repayment: Monthly / quarterly annuities, repayment at the end of period

Guarantees

• Purpose: Contracting advance payment of goods, participation in auction, import of goods.
• Repayment: Guarantee for proper repayment, for return of payment, for auction, for good performance of work, for removal of deficiencies within warranty period, customs.

Letters of Credit

• Purpose: Obligation of payment for delivered goods or for performed service to the letter of credit beneficiary in accordance with established terms and conditions defined by letter of credit.

Provides security for the buyer – since he will surely receive goods as agreed, and to the seller – since he will surely receive payment for the delivered goods

Business Credit Card

• Purpose: Financing of daily needs for working capital
• Repayment: Monthly (settlement of all obligations under card on the first business day for the previous month)

Short-term subsidized credit indexed in EUR

• Purpose:
  • Financing of export
  • For maintenance of current liquidity
• Repayment:  Monthly / quarterly and six-monthly

For financing of export, repayment is in line with the agreed arrangement.

Short-term subsidized RSD credit

• Purpose:
  • Financing of export  
  • For maintenance of current liquidity
• Repayment:  Monthly/ three-monthly and six-monthly

For financing of export, repayment is in line with the agreed arrangement.

Long-term investment co-financed credit indexed in EUR

• Purpose: For investments
• Repayment: Monthly/ three-monthly