• Loan amount: Up to EUR 150.000
  • Maturity: Up to 36 months for working capital; up to 60 months for an investment
  • No mortgage required, on company’s promissory note and personal promissory note
  • Seasonal repayment option applicable based on business activity;
  • Fixed interest rate;
  • For start-up companies (less than one year of existence) up to EUR 20.000;

Product description

CKB EU COSME Loan enables clients to cover financial needs for working capital such as procurement of: supplies, goods, raw materials and investment financing in Tangible Assets and Intangible Assets.

This financing is made possible through the support of the EU guarantee for Debt Financing with the financial backing of the European Union under the Loan Guarantee Facility established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Programme for the Competitiveness of Enterprises and small and medium enterprises (COSME) (2014-2020).

Product price

The interest rate and approval fee are determined on the basis of economic and financial analysis of the company, credit history and turnover on the account with CKB.


  • Personal promissory note
  • Company promissory note
  • Authorization of collection rights of the company

How to apply for a loan?

The SME loan application, along with the necessary documentation, should be submitted to a SME Relationship Manager. Upon the completion of the decision making process, the SME Relationship Manager will inform the client whether the application has been approved and upon which terms and conditions. Detailed information about the product may be found in the info-sheet.

Approval of SME loans depends upon internal criteria of the Bank and general business conditions of CKB.


You can get more details about the product by visiting the nearest CKB branch or by calling the CKB Call Centre at 19894.