Short-term Loans

ST loans are approved for maximum 12-month maturity. ST loans may be used to finance various requirements throughout the production or trade cycle, i.e. until goods delivery or payment receipt in a trade transaction, as well as for other purposes of ST working capital or to bridge ST mismatching between funds inflow and outflow.

Working Capital Loan

Our lending products terms and conditions are adaptable to various business requirements, while our long-term tradition, experience and know-how guarantee that all your requirements will be satisfied. UniCredit Bank offers this type of loan as a solution for occasional and temporary barriers in successful business doing.

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 working capital required for a single deal/transaction, or
  • shortage of working capital triggered by a growth of production/trade volumes,
  • approving longer payment deadlines to customers,
  • seasonal increase of inventories, and
  • gaps between inflows and outflows.

Availability and Repayment Periods

  • minimum 45 days and maximum 12 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, successively (in tranches) or revolving principle - depending on specific features of the transaction to be financed.

Repayment Method

  • bullet repayment, successively (quarterly or semi-annual installments) or revolving principle - 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.


Loans to Finance Receivables

If you want to accelerate your company's cash flow, i.e. to turn receivables from customers into cash, we recommend the loan for financing receivables from first-class customers in the country.

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

  • The loan is approved based on a documented proof of the Borrower's receivables from first-class customers with a pre-defined maturity. Receivables from first-class customers are being financed

Availability and Repayment Periods

  • minimum 45 days and maximum 12 months

Loan Amount

  • maximum 80% of the individual invoice/interim statement.

Withdrawal Method

  • single withdrawal or revolving principle - depending on specific features of the transaction to be financed.

Repayment Method

  • bullet repayment or revolving principle - 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.

Loans to finance export of goods and services

Every exporter has to have a trusted partner. Through loans for financing goods and services UniCredit Bank supports your business if you are export-oriented.  The loan to finance export of goods and services is a flexible product which will enable you to succeed in cross-border markets.


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 loan to finance export of goods and services.

Loan Amount

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

Availability and Repayment Periods

  • minimum 45 days and maximum 12 months

Withdrawal Method

  • bullet repayment or revolving principle - depending on specific features of the transaction to be financed.

Repayment Method

  • bullet repayment or revolving principle - 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.

Lombard Loans

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 short-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 - Short-term Loans, 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

  • minimum 45 days and maximum 12 months, depending on the 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, successively (in tranches) or revolving principle - depending on specific features of the transaction to be financed.

Repayment Method

  • equal monthly installments, successively (quarterly or semi-annually) or revolving principle - 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.

Overdraft

In order to avoid potential obstacles in realising your goals because payments in favour of your account are late, UniCredit Bank offers you to negotiate an overdraft limit under your transactional account. The overdraft is your solution for any extraordinary situation.

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 bridge ST maturity mismatching between inflows and outflows in the company's transactional account (e.g. occasional maturity mismatching of accounts payable and receivable, taxes, payroll, etc.);
    • financing other working capital needs.

Availability and Repayment Periods

  • Maximum 12 months

Loan Amount

  • The maximum loan amount is defined based on average monthly revenues/inflow generated by ordinary business (sales revenues) in accordance with the latest officially available financial report (interim, annual) against application of the average monthly account inflow in the last 6 months as a corrective factor for defining maximum overdraft amount.

Withdrawal Method

  • Revolving principle

Repayment Method

  • Revolving principle – the loan shall be automatically repaid with each inflow to the transactional account, throughout the validity period.

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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