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.


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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.


APPLY

See more Close
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