Corporate loans
Choose short-term or long-term financing, or loans from the European Investment Bank credit line.
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Short-term financing
For a period of up to one year or longer, depending on creditworthiness, purpose, and collateral instruments. It can be used for:
- Financing of working capital and permanent working capital
- Structured trade financing to support the entire business cycle
- Framework lines for loans, guarantees, and letters of credit
- Refinancing of obligations to other banks
- Overdraft loans
The loan application should include:
- A description of your company and the business for which the loan is requested
- The amount and tenor of the loan
- Complete financial statements (balance sheet and income statement, including notes) for the last three accounting periods
- A proposal of the collateral instruments you can offer
- Elements of the business plan (investment structure, justification of the investment, etc.), commercial contracts.
European Investment Bank (EIB) credit line
Raiffeisen Bank also offers loans from the European Investment Bank line, committing to provide borrowers with the advantage of using these loans with longer maturities and lower interest rates, which are up to 50 basis points lower than the annual interest rate on loans without the involvement of the European Investment Bank.
In addition, for borrowers whose projects support youth employment, we offer special benefits in terms of more competitive interest rates.
The loan application should include:
- A description of your company and the business for which the loan is requested
- The amount and term of the loan
- Complete financial statements (balance sheet and income statement, including notes) for the last three accounting periods
- A proposal of the collateral instruments you can offer
If it concerns long-term financing, the following are also required:
- Elements of the business plan (investment structure, justification of the investment, etc.), commercial contracts, etc.
Investments for a greener future
Investing into energy efficiency contributes to substantial reduction of electricity costs and CO2 emissions, with a positive effect on increasing the value of real estate and equipment.
Long-term financing
Approved for a term of up to 10 years, depending on the purpose and creditworthiness ofthe borrower. It can be used for the following:
- Financing the construction of business facilities for your own needs as well as for commercial needs
- Financing the purchase of equipment and capacity expansion
- Project financing (primarily in the real estate sector)
The loan application should include:
- A description of your company and the business for which the loan is requested
- The amount and term of the loan
- Complete financial statements (balance sheet and income statement, including notes) for the last three accounting periods
- A proposal of the collateral instruments you can offer
- Elements of the business plan (investment structure, justification of the investment, etc.), commercial contracts, etc.