Mala i srednja preduzeca - Krediti

EU COSME Working Capital Loan

If your company lacks cash to finance working capital, apply for an EU COSME Working Capital Loan.

This financing is provided through the EU guarantee for debt financing and benefits from the support of the European Union under the Loan Guarantee Facility (LGF) established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Union Program for the Competitiveness of Enterprises and SMEs COSME) (2014-2020).


  • Loan amount: up to €150,000
  • Repayment period: up to 36 months
  • Possible grace period: up to 4 months

Loan security

  • Personal promissory note
  • Corporate promissory note
  • Optionally, promissory note of a third party (which owns marketable unencumbered property) is required when the company and the company owner do not own marketable property or if the property they own is encumbered with a charge and/or restriction, if the company is Category 7 or if the company exposure to the Bank covered by the so-called soft collateral exceeds €50,000

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


For pricing of our products and services, see our tariffs.