Mala i srednja preduzeca - Krediti

CKB EU Micro Loan for Working Capital

CKB EU Micro Loan for Working Capital is intended for micro companies and is the right choice if your company needs financing for working capital such as procurement of supplies, goods, raw materials and the like.

This financing is provided through the EU guarantee for debt financing and benefits from the support of the European Union under the Guarantee Facility established under Regulation (EU) No 1296/2013 of the European Parliament and the Council establishing a Union Program for Employment and Social Innovation (“EaSI”).

For further information on the program you may visit the sites of the European Commission and the European Investment Fund


  • Loan amount: even up to €25,000
  • Repayment period: up to 36 months
  • Grace period: up to 4 months
  • Without mortgage, against personal and corporate promissory notes
  • Possibility of seasonal repayment in keeping with seasonal business activity
  • Fixed interest rate
  • Start-up companies (operating for less than a year) may also apply for a loan up to €20,000

Loan security

  • Personal promissory note
  • 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

Interest rate and loan processing fee are determined on the basis of economic and financial analysis of the company, credit history, and turnover on the accounts with CKB.