Working capital loan for your business

  • Customized loan solutions to help your business grow
  • Loan amount up to 2,000,000 EUR
  • Interest rate starting at 5.0% + 6-month EURIBOR.
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Home » Businesses » Financing Services » Working Capital Loan

Advantages:

  • Customized loan solutions to help your business grow
  • Depending on the nature of the company’s business, repayments can be made in equal installments or at the end of the term.

Conditions

  • Term up to 36 months.
  • Loan amount up to €2 million.
  • Interest rate starting at 5.0% + 6-month EURIBOR

Please visit Fees and Commissions page to see the applicable fees.

Loan Amount:

€
Min: €50,000 - Max: €2,000,000

Loan Term (in months):

m.
Min: 3m - Max: 60m
Monthly Payment:
0€
Total Interest: 0€

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?
The service is aimed to finance working capital, when granted loan is repaid on a predetermined payment schedule.
Why choose a working capital loan?
A working capital loan is a convenient working capital financing solution. It is relevant for businesses whose specifics are related to a longer production cycle, or payment terms from customers, or have seasonal working capital needs.
What is the process for granting a working capital loan?
In order to obtain working capital, the client must submit certain documents to the Bank. After assessment of the application, the bank decides how much credit line limit to grant.
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?
You can find the fees and commissions which are applicable for EMBank lending products:

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

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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.

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Overdraft

No fixed terms, just flexibly whenever you need liquidity.

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Investment Loans

Perfect for fixed asset investments and for helping your business grow.

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Leasing

Renovate your business for increased efficacy with our leasing solutions.

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Need a Different Loan?

If the loan options listed above don’t cater to your needs

Let's Talk