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We can harmonise your financial needs with the nature and dynamic of your business using the following three types of short-term financing:
overdraft - intended for all those who have a need for current liquidity. This is the most rational form of short-term loan lending and it is fully adapted to your needs.
short-term loan for working capital - its purpose is financing of current needs in production, payment of goods, in sales and exports, seasonal needs and maintaining liquidity.
permanent working capital - a practical way of financing of liabilities of your company is a permanent working capital loan.
We offer favourable sources of funding in cooperation with the Croatian Bank for Reconstruction and Development (HBOR).
The purpose of the loan is to finance current operations and settle short-term liabilities towards financial institutions, the state and other short-term liabilities.
Find out more about cooperation with the Croatian Bank for Reconstruction and Development here.
For loans secured by immovable property collateral (real estate), it must be adequately valued by an appraiser authorized to conduct appraisals in accordance with the positive regulations of Republic of Croatia. The final market value appraisal report must contain at least the elements specified in the document Important elements of the real estate appraisal (listed in the documentation attached to this product).
Conditions
Overdraft
two types of overdraft:
- standard - utilisation period up to 12 months - permanent - utilisation period of the initial approved loan is 195 days, with automatic renewal by 180 days if the borrower meets the criteria
the use of loan funds is possible precisely when you need them, and you repay the loan when you have a surplus of funds
you pay the interest only on the amount and for the number of days during which you were using the overdraft. If you are not using the overdraft, you are not paying the interest
Short-term loan for working capital
the repayment period is up to 12 months
repayment methode: successively and at once
with the possibility of utilisation via e-zaba
Permanent working capital
utilisation period of the loan up to 12 months
repayment period from 13 to 36 months, in monthly, quarterly, semi-annual or annual instalments or annuities
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