Business
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- Detailed overview of your finance
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- Fast Check - checking the balance without login
- Management of standing orders
Operating loans
A flexible solution for short-term corporate expenses. Ideal for reducing seasonal fluctuations.
Installment loans
Invest in the future of your business. Installment loans will help you expand faster or start your business more quickly.
Collateralized loans
Expand your production premises, warehouses or shops with advantageous conditions. Or do you have individual needs? Invest in long-term expansion.
Warranty programs
Discover financing support in the form of selected specialized programs. The programs provide an advantage for less collateral or lower interest rates. Make the most of them.
Think long term. We will help you finance the long-term dreams of growing your business.
You can use funds up to EUR 300,000...
- for your investments and business needs — either with a purpose such as buying real estate or refinancing loans, or even without the need to document the purpose.
The maturity of the financing is up to 15 years...
- with an interest rate from 4.29% p. a.
The loan is secured only by real estate.
Finance your business development and investment expenses more easily and more profitably.
Loans are secured by various programs, and the bank may not require you to provide security as with standard loans.
You can get better terms compared to regular loans.
Support programs
Lending programme for small and medium-sized enterprises through the EIF guarantee
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With the support of InvestEU, the European Investment Fund (EIF) provides a guarantee of 50% of the loan amount for entrepreneurs, small and medium-sized enterprises (SMEs) whose object of financing and investment is innovation, digitisation, culture, the creative sector or sustainability. Thanks to the EIF guarantee, the client receives not only the security of the loan, but also a lower interest rate. |
Programme valid until 12 April 2025.
Eligible applicant for the bank guarantee:
- Small and medium-sized enterprises (fewer than 250 employees) with a turnover of up to EUR 50 million or assets of up to EUR 43 million (the entire economic group of the client is considered)
- Larger enterprises with fewer than 499 employees (the entire economic group of the client is considered)
- Based and operating in Slovakia
Loan parameters:
- Operating or investment loan
- Refinancing of the client's existing liabilities (up to 10% of the loan principal)
- The enterprise or loan must meet the criteria of innovation or digitisation or culture or creative sector or sustainability
- Guarantee of up to 50% of the amount owed for investment loans and for operating loans
- Loan amount EUR 7.5 million
- Loan maturity from 12 to 120 months for an investment loan and 12 months for an operating loan from the signing of the loan agreement with the possibility of rollover
Lending programme for small and medium-sized enterprises through the EIF guarantee
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Under the InnovFin/HORIZON 2020 initiative, the European Investment Fund (EIF) provides a guarantee of 50% of the loan amount for entrepreneurs who are innovative or want to invest in digitisation. Thanks to the EIF guarantee, the client receives not only the security of the loan, but also a lower interest rate. |
Programme valid for new loans until 31 December 2022.
Eligible applicant for the bank guarantee:
- Small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 500 employees (the entire economic group of the client is considered)
- Small, medium-sized or larger enterprises with between 500 and 3,000 employees
- Based and operating in Slovakia
Loan parameters:
- Operating or investment loan
- A loan with an innovative investment or an investment in digitisation
- Guarantee of up to 50% of the amount owed for investment loans and for operating loans
- Loan amount ranging from EUR 25,000 to EUR 7.5 million
- Loan maturity from 12 to 120 months for an investment loan and 12 months for an operating loan from the signing of the loan agreement with the possibility of rollover
Lending programme for micro, small, medium-sized and larger enterprises through the EIF-EGF guarantee
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In cooperation with the European Investment Fund (EIF) with the support of the Pan-European Guarantee Fund (EGF), UniCredit Bank Slovakia is the only bank on the Slovak market to provide a loan guarantee for micro, small, medium-sized and larger enterprises in order to mitigate the impact of the COVID-19 pandemic. Thanks to the EIF guarantee, the client receives not only the security of the loan, but also a lower interest rate. |
Programme valid until 31 December 2022.
Eligible applicant for the guarantee:
- Micro, small and medium-sized enterprises with fewer than 250 employees and a turnover of up to EUR 50 million or assets of up to EUR 43 million (the entire economic group of the client is considered)
- Larger enterprises with between 250 and 499 employees
- Based and operating in Slovakia or in a European Union country that has contributed to the Pan-European Guarantee Fund, a list of which is published by the EIF on its website.
Loan parameters:
- Operating or investment loan in EUR
- Loan amount up to 7.5 million
- Loan maturity from 3 to 72 months for an investment loan and 3 to 36 months for an operating loan
- The guarantee amount up to 70% of the amount owed
- Financing of new loans and refinancing of client's liabilities
SIH Anti-Crisis Guarantee Programme – FLPG SME COVID
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Programme valid until 30 September 2023.
Guarantee programme provided by Slovak Investment Holding, a. s. (SIH) with the possibility of obtaining an interest subsidy to support micro, small and medium-sized enterprises in order to mitigate the impact of the COVID-19 pandemic and related preventive measures that have had an impact on the operation of enterprises and also in connection with the negative impact of other global challenges, such as the crisis situation in Ukraine, on the entrepreneurial sector in the Slovak Republic.
The financing of the guarantee is secured within the framework of the benefits of the support from the Operational Programme Integrated Infrastructure, which is co-financed by the European Structural and Investment Funds.
Eligible applicant for the bank guarantee:
- Micro, small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 250 employees (the entire economic group of the client is considered)
- Based and operating in Slovakia
Loan parameters:
- Operating or investment loan
- Loan amount EUR 1.18 million
- Loan maturity of 12 months with the possibility of prolongation to a maximum of 48 months from the signing of the loan agreement
- The guarantee amount up to 80% of the amount owed
- Deferment of principal and interest payment for 12 months (applies to instalment loans)
- Discounted interest rate of up to 4% p.a. thanks to the interest subsidy
- No loan processing, increase and early repayment fees
Lending programme for small and medium-sized enterprises through the FLPG guarantee
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Programme valid until 31 December 2023.
We are the only bank in Slovakia that provides its clients with the FLPG guarantee.
The financing of the guarantee is secured within the framework of the benefits of the support from the Operational Programme Integrated Infrastructure, which is co-financed by the European Structural and Investment Funds.
The FLPG guarantee provides easier access to funding owing to reduced collateral requirements and also enables clients to get lower interest rates.
The FLPG guarantee allows for the financing of investments that are under way, provided they are not completed at the time of submitting the loan application.
Eligible applicant for the bank guarantee:
- Small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 250 employees (the entire economic group of the client is considered)
- Based and operating in Slovakia, except for the Bratislava region / an exception is a company that is based in Bratislava, but operates/implements the project outside the Bratislava region
- Start-ups and emerging businesses
Loan parameters:
- Operating or investment loan
- Loan maturity from 12 to 120 months for an investment loan, from 12 months for an operating loan from the signing of the loan agreement with the possibility of rollover
- Loan amount EUR 1 million
- The guarantee amount up to 70% of the amount owed
SIH Anti-Corona Guarantee 2A ESIF programme
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Programme valid until 16 November 2020.
Guarantee programme provided by Slovak Investment Holding, a. s. (SIH) to support micro, small and medium-sized enterprises in order to mitigate the impact of the COVID-19 pandemic and related preventive measures that had an impact on the operation of the enterprises.
The financing of the guarantee is secured within the framework of the benefits of the support from the Operational Programme Integrated Infrastructure, which is co-financed by the European Structural and Investment Funds.
Eligible applicant for the bank guarantee:
- Micro, small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 250 employees (the entire economic group of the client is considered)
- Based and operating in Slovakia
Loan parameters:
- Loan amount for small and medium-sized enterprises up to EUR 2 million, for micro enterprises up to EUR 500 thousand
- Loan maturity of 24 months for revolving loans, 24 to 72 months for instalment loans from the signing of the loan agreement
- The guarantee amount up to 90% of the amount owed
- No loan guarantee, processing, increase and early repayment fees
SIH Anti-Corona Guarantee 2B State Resources
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Programme valid until 30 June 2021.
New guarantee programme provided by Slovak Investment Holding, a. s. (SIH) to support micro, small, medium-sized and large enterprises in order to mitigate the impact of the COVID-19 pandemic and related preventive measures that had an impact on the operation of the enterprises.
Eligible applicant for the bank guarantee:
- Micro enterprises (with fewer than 10 employees or EUR 2 million turnover), small and medium-sized enterprises (SMEs) (fewer than 250 employees or EUR 50 million turnover or assets of EUR 43 million). The entire economic group of the client is considered
- Large enterprises (not meeting the above conditions for small and medium-sized enterprises)
- Based and operating in Slovakia
- Also for clients with a business licence in agribusiness
Loan parameters:
- Operating or investment loan
- Loan amount for SMEs and large enterprises up to EUR 2 million, for micro enterprises up to EUR 500 thousand
- Loan maturity of 24 months for revolving loans, 24 to 72 months for instalment loans from the signing of the loan agreement
- The guarantee amount up to 90% of the amount owed
- Deferment of principal and interest payment for 12 months
- No loan guarantee, processing, increase and early repayment fees
EXIMBANKA Guarantee Programme
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Guarantee programme provided by the Export-Import Bank of the Slovak Republic to support small, medium-sized and large enterprises for the purpose of mitigating the declaration of a state of emergency or a state of emergency in connection with the COVID-19 pandemic in the territory of the Slovak Republic, and the adoption of a framework of support in connection with the spread of the COVID-19 disease on the liquidity and economic situation of enterprises and their employees. |
Programme valid until 31 December 2021.
Eligible applicant for the bank guarantee:
- Small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 250 employees (the entire economic group of the client is considered)
- Large enterprises (not meeting the above conditions)
- Based and operating in Slovakia
Loan parameters:
- Operating or investment loan
- Loan amount EUR 1.18 million
- Loan maturity of 24 months for revolving loans, 24 to 72 months for instalment loans from the signing of the loan agreement
- The guarantee amount up to 80% of the amount owed
- Deferment of principal and interest payment for 12 months
- No loan guarantee, processing, increase and early repayment fees
Programme for larger and large enterprises through the EIB – EGF guarantee
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In cooperation with the European Investment Bank (EIB) with the support of the Pan-European Guarantee Fund (EGF), UniCredit Bank Slovakia is the only bank on the Slovak market to provide a guarantee for larger enterprises in order to mitigate the impact of the COVID-19 pandemic. Thanks to the EIB guarantee, the client receives not only the security of the loan, but also a lower interest rate. Owing to the EIB Guarantee Programme, UniCredit Bank is ready to provide a total of EUR 200 million in financing with a 50% EIB guarantee. |
Programme valid until 31 December 2022.
Eligible applicant for the guarantee:
- Enterprises with between 250 and 2,999 employees or enterprises with fewer than 250 employees but a turnover exceeding EUR 50 million and a balance sheet exceeding EUR 43 million (the entire economic group of the client is considered),
- Enterprises with more than 3 000 employees (operating loan only),
- Based and operating in Slovakia or in a European Union country that has contributed to the Pan-European Guarantee Fund, a list of which is published by the EIB on its website.
Loan parameters:
- Operating or investment loan in EUR
- Loan amount up to 50 million
- Loan maturity from 1 to 60 months for an investment and an operating loan
- The guarantee amount up to 50% of the amount owed.
Keep your business running smoothly. Keep an overdraft in your checking account to finance invoices, purchase emergency supplies and other unexpected expenses, or for business startups. You have a credit line without documenting the purpose and you only pay for what you actually use.
We have an overdraft account for newly established companies without the need for a business history
- for up to an additional EUR 4,000, even without a tax return.
Have you already completed one full accounting period? We can offer you...
- up to 15% of your annual turnover (up to a maximum amount of EUR 100,000)
- an interest rate from 6.9% p. a.
We have a special offer especially for farmers.
- We can offer you up to EUR 300,000 with an interest rate starting at 5.9% p. a.
Do you have a vision for one-time expenses that will help you move your business forward? Invest in your business with us. You can set the installments exactly at the amount that suits you.
For smaller investments up to EUR 4,000, we will not ask you for a tax return or business history.
- You can set up installments for up to 7 years.
With larger investments, we will help you...
- up to EUR 100,000
- at a rate starting at 6.9% p. a.
If you are already repaying the loan and the monthly repayments do not suit you, we can refinance the loan and set the repayment to reflect the current situation.
