Flexible lending solutions
for your Business!
Working capital loan is a short-term solution
that will cater to your immediate working capital needs.
Flexible lending solutions for your Business!
Working capital loan is a convenient solution for financing working capital. It is relevant for businesses with longer production cycles or payment terms from customers, or with seasonal working capital needs.
At EMBank, we’re committed to your success. With flexible tailor-made lending offers, we aim to support your business’s growth and financial strength. Whether it’s expansion, inventory management, or any other business need, we’ve got you covered.
Advantages:
- Flexible solutions for each Business
- Fixed repayment schedule, easy cash flow planning
- At maturity the credit shall be completely repaid
Conditions
- Financing amount to 2‘000‘000 EUR
- Agreement term – 12 months
- Repayment – after full disbursement monthly or quarterly
- Collateral – unsecured or secured with mortgage on real estate, pledge of fixed assets, inventory, accounts receivable, personal surety or corporate guarantee. As well individual guarantee issued by ILTE (Invega) can be applicable.
Please visit Fees and Commissions page to see the applicable fees.
Loan Amount:
Loan Term (in months):
The displayed payment schedule is calculated based on 7.5% annual interest rate and represents indicative values. Final conditions can be determined after the evaluation of customer’s application.
Apply now!
Please provide the required information and we will contact you within 1 working day.
Frequently Asked Questions
What is a working capital loan?
Why choose a working capital loan?
What is the process for granting a working capital loan?
What documents are required to apply for financing?
Documents to be submitted:
- Filled credit application
- Last annual report and interim report for the current financial year
- Description of the purpose of the loan
- Financial forecasts
- Property valuation report, if real estate is mortgaged
What are the fees and commissions for lending?
| Service or transaction | Fee, EUR | ||
| 1 | Administration fee for concluding Loan agreement | From 0,5% of the amount of the Loan (min. 200 €) | |
| 2 | Fee for increasing the amount of the Loan | From 0,2 % of the total outstanding amount (min. 200 €) | |
| 3 | Fee for extending of the maturity of the Loan | From 0,5 % of the outstanding amount of the Loan (min. 200 €) | |
| 4 | Fee for other amendments of the Loan agreement | From 0,1 % of the outstanding amount of the Loan (min. 200 €) | |
| 5 | Commitment fee | From 1 % of the unused amount of the Loan | |
| 6 | Fee for early repayment of the Loan | 2 % of the outstanding amount of the Loan to be repaid (min. 200 €) | |
Other fees:
| 7 | Issuance of the permission to pledge collateral by subsequent pledge | 0,5% of the amount of the Loan (min. 300 €) |
| 8 | Other permissions and consents | 50 € |
| 9 | Documents issued by Local customer request | 50 € |
If you want to hear more about our credit line options
Other Lending Options at
EMBank
We know that one size does not fit all, so we are working hard providing you various options to choose from. Let’s talk about how we can help you accelerate your business with the correct type of loan offering.
Credit Line
Dedicated to helping you meet your unexpected liquidity challenges.
Overdraft
No fixed terms, just flexibly whenever you need liquidity.
Investment Loans
Perfect for fixed asset investments and for helping your business grow.
Leasing
Renovate your business for increased efficacy with our leasing solutions.
ILTE (INVEGA) Guarantee
Providing financial accessibility to SMEs when there is a lack of adequate collateral.
Need a Different Loan?
If the loan options listed above don’t cater to your needs….