Flexible financing of the current business needs: you use the loan by payments from the business account up to the amount of the overdraft, and the return is performed automatically by inflow to the business account.
The loan amount depends on your business revenue, i.e. inflow to the account.
The loan is granted in EUR with a period of use and return of up to one year.
Benefits
- Fast approval
- The possibility of automatic renewal of overdraft
- Contractual interest is paid only on the amount of loan that you have used
Required documents
- 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 is defined pursuant to the Interest Rate Decision, and is variable.
Users of accounts package 1 ZA SVE get a fee discount, depending on the model of the package (Poduzetnik 25% - a maximum of EUR 331,81; Partner 50% - a maximum of EUR 663,61)
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