Investment Loans
To finance significant business development
projects, meet with our investment loan options.
EMBank Investment Loans
As businesses grow, they often need to invest in fixed assets such as capital goods, vehicles, and real estate. With
an investment loan, we can help your business grow.
Advantages:
An investment loan is intended to finance significant business development projects, such as the installation or renovation of various production facilities or technologies, the acquisition or construction of immovable property, the purchase of construction machinery or vehicles, etc.
- Loan term up to 7 years
- Flexible repayment schedule
- Loan amount from 50.000 to 2.000.000 EUR
Conditions:
Available collateral:
- Investment property
- Other fixed assets owned by the company
Please visit Fees and Commissions page to see the applicable fees.
Apply now!
Please provide the required information and we will contact you within 1 working day.
Frequently Asked Questions
How is an investment loan used?
Projects are financed by a combination of own funds and bank financing, and their proportions are determined individually. Bank funds are disbursed after the company invests its own funds, according to a pre-agreed schedule or in several stages. Repayment begins one month after the disbursement of funds or from the agreed deadline.
What information is needed to apply for an investment loan?
A completed application form, financial statements, investment project description, financial forecasts, and a cost estimate of planned investments. EMBank has the right to ask more documentation to evaluate the lending process.
What are the benefits?
- Large amounts of financing: Allows for the implementation of capital-intensive projects (e.g., construction of factories, acquisition of real estate or expensive equipment), which cannot be covered from working capital.
- Long repayment term: The loan period usually ranges from 5 to 10 years (in some cases up to 15-20 years), so monthly payments are spread evenly and do not burden the company’s cash flow.
- Lower interest rates: Since these loans are secured by long-term assets (real estate, equipment or land being purchased is pledged), the interest rates applied by banks are usually significantly lower than those on lines of credit or revolving loans.
- Preservation of equity: The company can grow and invest without using its internal free funds, which can be directed to daily operations, purchase of raw materials or unforeseen expenses.
- Adjustment of conditions (speed steps / provisions): Banks often offer the option of deferring the repayment of the principal amount of the loan (paying only interest) until the investment project (e.g. construction) is completed and begins to generate income.
- Payback from the profit received: A correctly directed investment (new equipment or premises) increases the efficiency and income of the company, so the loan is actually maintained and pays off from the newly generated profit.
How does investment loan differ from a working capital loan?
A working capital loan covers day-to-day operations — inventory, receivables, and payables. An investment loan finances long-term assets and business expansion.
If you want to learn more about or
apply for our investment loans
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.
Working Capital Loans
Short-term loan to cater to your immediate working capital needs.
Credit Line
Dedicated to helping you meet your unexpected liquidity challenges.
Overdraft
No fixed terms, just flexibly whenever you need liquidity.
Leasing
Renovate your business for increased efficacy with our leasing solutions.
Need a Different Loan?
If the loan options listed above don’t cater to your needs