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.


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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.



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