Long-term Loan

A good investment in the growth and development of your business is an investment in the future.

Long-term Loan to Finance Investments into Fixed Assets

UniCredit Bank d.d. offers you a long-term loan for investing into fixed assets if you want to implement development plans, to expand business, to build new plants, or to improve your business technologically. The loan terms and conditions are favourable in order to support investments, business development and competitiveness.

Borrower

  • Local companies registered under the laws of B&H and foreign companies operating under the laws of B&H, craftsmen, professional occupations (medical doctors, dentists, biochemists, veterinarians, pharmacists, lawyers, notaries, certified auditors, accounting service providers) and all other clients, provided they qualify for the product terms and conditions, can apply for this loan in order to use it as follows:
  • acquisition of fixed assets when constructing commercial premises, buying vehicles, refinancing earlier loans and launched investments;
  • financing share purchase and equity acquisition in other companies.

Availability and Repayment Periods

  • over 1 year up to 10 years, depending on the investment type to be financed.

Loan Amount

  • minimum loan amount is BAM 2.000,00 and maximum amount depends on the Borrower's credit worthiness.

Grace Period

  • for loan purposes under a) up to 12 months;
  • for loan purposes under b) up to 6 months. (The grace period is included into the loan repayment period.);

Withdrawal Method

  • single withdrawal or successively (in tranches).

Repayment Method

  • in equal monthly/quarterly/semi-annual installments, depending on client's requirements.

Due to a special segment dedicated to small business clients, which has been developed through 44 Small Business Centers, UniCredit Bank is able to provide helpful advice and financial analysis to select a program customized to your needs and capacities, starting from overcoming short-term gaps to large-scale investments.

For further information on other lending terms and conditions, please contact our Small Business Bankers, who will apply individualised approach in order to define optimum financing structure according to your requirements.


LT WC Loan to Finance Permanent Working Capital

UniCredit Bank offers maximum quality and support to fund investments into permanent working capital as a financial base required for your day-to-day commercial activities. With the support of the LT WC loan for investments into permanent working capital, your will finally be able to make the next big step in your business at any moment.

Borrower

  • Local companies registered under the laws of B&H and foreign companies operating under the laws of B&H, craftsmen, professional occupations (medical doctors, dentists, biochemists, veterinarians, pharmacists, lawyers, notaries, certified auditors, accounting service providers) and all other clients, provided they qualify for the product terms and conditions, can apply for this loan in order to use it as follows:
  • to finance permanent working capital within investments for considerable expansion of production or sales capacities,
  • for improvement of the balance sheet structure,
  • as well as to finance permanent inventory, depending on business type and production cycle period.

Availability and Repayment Periods

  • From 12 up to maximum 36 months. 

Loan Amount

  • minimum loan amount is BAM 2.000,00 and maximum amount depends on the Borrower's credit worthiness.

Withdrawal Method

  • single withdrawal or successively (in tranches).

Repayment Method

  • in equal monthly/quarterly/semi-annual installments, depending on client's requirements.

Due to a special segment dedicated to small business clients, which has been developed through 44 Small Business Centers, UniCredit Bank is able to provide helpful advice and financial analysis to select a program customized to your needs and capacities, starting from overcoming short-term gaps to large-scale investments.

For further information on other lending terms and conditions, please contact our Small Business Bankers, who will apply individualised approach in order to define optimum financing structure according to your requirements.



Start Program Long-term Loans

Our loans guarantee you to have a good START!

START lending program provides you with a favourable access to financial resources, ensuring a full support for your further business development. Long-term loans within START Program are customised to fit your specific requirements and they are the right solution if you want to realise investment projects.


Borrowers:

  • Medical doctors, dentists, biochemists, veterinarians, pharmacists, lawyers, notaries, certified auditors, accounting service providers and all other professions, whose business has been active less than one year and who are allowed by the law to operate via a transactional account, can apply for this loan in order to use it as follows:
    • land acquisition and infrastructure arrangement for the purpose of business expansion or building construction;
    • doing business;
    • acquisition, construction, reconstruction, furbishing or expansion of commercial premises;
    • acquisition of equipment or parts thereof;
    • acquisition of transport vehicles, passenger cars for commercial purposes;
    • refinancing loans with other banks and refunding of investments made in the last 12 months for former purposes.

Repayment Period

  • up to 15 years for loan purposes under a) and b);
  • up to 10 years for loan purposes under c);
  • up to 5 years for loan purposes under d);
  • for loan purposes under e) according to periods for identical purposes;
  • for loan purposes of refunding Borrower's own capital investments into fixed assets made in the previous 12 months, according to periods for identical purposes.

Loan Amount

  • minimum loan amount is BAM 10.000,00 and maximum amount BAM 250.000,00, depending on the Borrower's credit worthiness.

Grace Period

  • up to 12 months (The grace period is included into the loan repayment period.)

Withdrawal Method

  • single withdrawal or successively (in tranches).

Repayment Method

  • in equal monthly/quarterly/semi-annual installments, depending on client's requirements.

Due to a special segment dedicated to small business clients, which has been developed through 44 Small Business Centers, UniCredit Bank is able to provide helpful advice and financial analysis to select a program customized to your needs and capacities, starting from overcoming short-term gaps to large-scale investments.

For further information on other lending terms and conditions, please contact our Small Business Bankers, who will apply individualised approach in order to define optimum financing structure according to your requirements.


GOLD Program Long-term Loans

In order to achieve a competitive advantage in the market, you should constantly invest into development.

By GOLD lending program, we offer financial support for your development, long-term investments and investment projects. In order for your plans and projects to produce desired results, select a loan from the GOLD Lending Program.

Korisnik kredita

  • Medical doctors, dentists, biochemists, veterinarians, pharmacists, lawyers, notaries, certified auditors, accounting service providers and all other professions, whose business has been active less than one year and who are allowed by the law to operate via a transactional account, can apply for this loan in order to use it as follows:
    • land acquisition and infrastructure arrangement for the purpose of business expansion or commercial building construction;
    • acquisition, construction, reconstruction, furbishing or expansion of commercial premises;
    • acquisition of equipment or parts thereof;
    • acquisition of transport vehicles, passenger cars for commercial purposes;
    • refinancing loans with other banks and refunding of investments made in the last 12 months for former purposes.

Repayment Period

  • up to 15 years for loan purposes under a) and b);
  • up to 10 years for loan purposes under c);
  • up to 5 years for loan purposes under d);
  • for loan purposes under e) according to periods for identical purposes;
  • for loan purposes of refunding Borrower's own capital investments into fixed assets made in the previous 12 months, according to periods for identical purposes.

Loan Amount

  • minimum loan amount is BAM 10.000,00 and maximum amount depends on the Borrower's credit worthiness.

Grace Period

  • up to 12 months depending on the loan purpose (The grace period is included into the loan repayment period.)

Withdrawal Method

  • single withdrawal or successively (in tranches).

Repayment Method

  • in equal monthly/quarterly/semi-annual installments.

Due to a special segment dedicated to small business clients, which has been developed through 44 Small Business Centers, UniCredit Bank is able to provide helpful advice and financial analysis to select a program customized to your needs and capacities, starting from overcoming short-term gaps to large-scale investments.

For further information on other lending terms and conditions, please contact our Small Business Bankers, who will apply individualised approach in order to define optimum financing structure according to your requirements.


Long-term Lombard Loan

If you need cash, while at the same time you wish to keep your savings and/or insurance, use UniCredit Bank's Lombard loan. UniCredit Bank offers you a long-term Lombard loan covered by a (savings) deposit, if you wish to realise your goals in a quick and simple way, under favourable conditions, while saving your money.

Borrower

  • Local companies registered under the laws of B&H and foreign companies operating under the laws of B&H, craftsmen, professional occupations (medical doctors, dentists, biochemists, veterinarians, pharmacists, lawyers, notaries, certified auditors, accounting service providers) and all other clients, provided they qualify for the product terms and conditions, can apply for this loan.

Loan Purpose

  • It is possible to finance any purpose as specified in the Product Catalogue, including non-dedicated loans, whereas terms and conditions may be defined separately for each loan, depending on specific features of the transaction to be financed.

Repayment Period

  • over 1 year up to 7 years, depending on the term deposit maturity.

Loan Amount

  • maximum loan amount 90% of the term deposit value if the loan and deposit currency is identical;
  • maximum loan amount 80% of the term deposit value if the loan and deposit currency is not identical;

Withdrawal Method

  • single withdrawal or successively (in tranches) - depending on specific features of the transaction to be financed.

Repayment Method

  • in equal monthly/quarterly/semi-annual installments, depending on specific features of the transaction to be financed.

Due to a special segment dedicated to small business clients, which has been developed through 44 Small Business Centers, UniCredit Bank is able to provide helpful advice and financial analysis to select a program customized to your needs and capacities, starting from overcoming short-term gaps to large-scale investments.

For further information on other lending terms and conditions, please contact our Small Business Bankers, who will apply individualised approach in order to define optimum financing structure according to your requirements.

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