Loan for permanent working capital

Conditions

They are determined by the sustainability, i.e. creditworthiness of your business. You will receive all information upon contacting your Relationship Manager.

Required documentation

• Loan application

• Status documentation (not necessary for clients of Zagrebačka banka)
• Financial documentation:

For income taxpayers:
-income tax returns for the past two years of business with attachments: Excerpt from the Book of receipts and expenditures and a List of long-term assets
-copy of the Decision of the Tax Administration on the amount of income tax liability for the past two years
-excerpt from the Book of receipts and expenditures for the current year
-overview of long-term assets, overview of receivables and payables on the date of application
-certificate of debt towards the Tax Administration, the Croatian Health Insurance Fund and the Croatian Pension Insurance Institute

For corporate income taxpayers:
-copy of the complete application of income tax with annual financial statements, certified by the Tax Administration for last two years of business 
-financial statements for the last quarter before the submission of the application 
-analytical reports (customers, vendors, inventory, debt to other banks and/or house leasing)

• BON-2 or SOL-2 forms no older than one month, only for accounts outside of Zagrebačka banka
• Certificate of debt towards the Tax Administration, the Croatian Health Insurance Fund and the Croatian Pension Insurance Institute
• Analytical reports (customers, vendors, inventory, debt to other banks and/or house leasing)

If necessary, the Bank may request other documents as well.

Prices

The interest rate depends on the purpose and source of financing, as well as the sustainability of the project.