Working capital, which is continuously used in the business cycle, can also be financed via a long-term loan - a loan for the financing of permanent working capital.
It is used by payment to the borrower's account in the amount of up to 10% of the approved loan amount, while the remaining amount is used to pay existing short-term liabilities of the borrower.
The repayment period is up to 5 years, with the possibility of using a grace period of up to 12 months.
Take the first step now and send us your inquiry. We will contact you shortly to make an appointment in selected business center.
For loans secured by immovable property collateral (real estate), it must be adequately valued by an appraiser authorized to conduct appraisals in accordance with the positive regulations of Republic of Croatia. The final market value appraisal report must contain at least the elements specified in the document Important elements of the real estate appraisal (listed in the documentation attached to this product).
Benefits
- Longer repayment periods
- it is not necessary to make an investment elaborate for loan approval
- users of the Partner account package model - 30% fee discount
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
- 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.
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