Short-term loans

Make the right choice, choose a healthy financial solution for you company.

If your company needs additional working capital for day-to-day activities, take advantage of our short-term loan under very favourable conditions and 12 months repayment period.

  • The loan amount depends on Client's needs and creditworthiness
  • The loan purpose may vary from working capital funding, over current liquidity, to financing liabilities towards suppliers, etc.
  • Loans may be repaid at plans which fits your business best
  • You can also have at your disposal an overdraft loan, i.e. an arranged overdraft on your current account, for which the limit is set by the Bank on the basis of your enterprise's creditworthiness.

Which are the possible loan collaterals?
  • Mortgage
  • Pledge
  • Surety of other legal or natural entity
  • Specific purpose deposit
  • Other bank's guarantee
  • Bill of exchange
  • Collection order with authorization


What do I need?
  • Client application
  • Official financial reports for the last 3 years, including the overview for the current year
  • Overview of buyers and suppliers as of 31st December of the previous year as well as overview for the current year.
  • Overview of liabilities to suppliers as of 31st December of the previous year as well as the overview for the current year.
  • Immovable property certificate for the security instrument offered together with movable/immovable property value assesment
  • Audit report, where it was mandatory for the past 3 years.
  • Consent to access credit registry of the Central Bank of Montenegro (RKR-u)