Business loans

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Loans for development of business activity are intended for clients who already have their own business or are participating in the family business:

Amount: up to 10,000 BAM
Limitations in the first cycle: do 5.000 KM
Maturity: up to 60 months
Nominal interest rate: already from 18% depending on the loan amount (EIR 19.6%)
Grace: up to 6 months

Business loans: loans for initiation and development of business activity.

Loans for initiation of business activity:

Amount: up to 2,000 BAM
Maturity: up to 15 months
Nominal interest rate: already from 25% (EIR 28,21%)
Grace: up to 3 months

WITHOUT LOAN PROCESSING EXPENCE.

Guarantee
Types of guarantees

  • Contract on guarantee with annex “list of property-pledge list”. Beneficiary of the loan provides guarantee with own property.
  • Contract on guarantee with annex “list of property-pledge list of the third party. The third party (person not living under the same roof with the loan beneficiary) provides guarantees with specific property that s/he owns.
  • Contract on guarantee with annex „salary pledge“.
  • Contract on guarantee of a legal person with a blank promissory note.

For requests for loans amounting up to 5,000 BAM it is necessary to provide at least one of the listed guarantees.
For requests for loans amounting more than 5,000 BAM it is necessary to provide at least two of the listed guarantees.

Amount Maturity Interest rate
Monthly instalment Total commitment





1.000 12 27% 96,02 1.152,24
2.000 12 25% 190,09 2.281,08
3.000 12 23% 282,23 3.386,76
5.000 12 20% 463,17 5.558,04