Mala i srednja preduzeca - Krediti

CKB Cash Collateral Loan for Micro and Small Enterprises

CKB Cash Collateral Loan is intended to finance the business needs of micro and small enterprises – there is no requirement for a specific loan purpose.


Advantages

  • Loan amount: up to €100,000
  • Repayment period: up to 24 months
  • Fixed interest rate
  • Possibility of seasonal repayment in keeping with seasonal business activity

Loan security

  • Deposit
  • Corporate promissory note
  • Authorization for collection against corporate account

Documents required

  • SME loan application

Documents required

  • Completed and signed application
  • Copy of the registration decision
  • Copy of the decision on registering for VAT
  • Copy of the certificate on the activity classification (if any)
  • Copy of specimen signature card for the Bank account
  • Copy of OP Form (certified signatures of persons authorized to represent the company)
  • Statute and founding document
  • Financial statements (balance sheet and income statement ) for the previous 3 years (certified by the Commercial Court or the Tax Administration)
  • Balance sheet, income statement - auxiliary forms, for the previous 3 years
  • Financial statements (balance sheet and income statement ) – year to date
  • Trial balance for the previous 2 years and year to date
  • Analytics of customers and suppliers for the previous year and year to date
  • Consent for access to Credit Register (RKB) from the company and company owner (and all subsidiaries and guarantor)
  • Balance sheet and income statement for the previous 2 years for the company owner and/or subsidiaries (if the company owner is a legal entity and/or if there are subsidiaries)
  • Additional documents

Product price

The difference between the interest rate on a loan and the deposit is defined on a case-by-case basis.