Business
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- Detailed overview of your finance
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- Management of standing orders
Operating loans
Short-term loan in form of an overdraft facility to cover unexpected expenditures.
▸ Financial Reserve
without a lot of paperwork
Parameters
- credit for natural persons doing business for limited companies, even without business history
- limit EUR 4 000
- with an interest rate of 13 - 17 % p. a.
- without tax return documentation
- without documentation of indebtedness
- without reinsurance (only for natural persons doing business)
Financial support
STANDART
Program for loans to small and medium enterprises through the FLPG guaranteeWe are the only bank in Slovakia that provides its clients with the FLPG guarantee.
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Program is valid until 30/12/2023
We are the only bank in Slovakia that provides its clients with the FLPG guarantee.
Financing of the guarantee is provided within the framework of benefits from support from the Integrated Infrastructure operational program, which is co-financed from the European Structural and Investment Funds.
The FLPG guarantee allows for easier access to financing due to the lower need for collateral and at the same time allows clients to obtain a lower interest rate.
The FLPG guarantee allows financing of investments that have already started, provided that they have not yet been completed at the time the loan application is submitted.
Authorized applicant for a bank guarantee:
- small and medium-sized enterprises with a turnover of max. 50 million EUR or assets of max. 43 million EUR and the number of employees is less than 250 (the entire economic group of the client is counted)
- with headquarters and operations in the territory of Slovakia, except for the Bratislava region / an exception is a company that has its headquarters in Bratislava, but implements operations/projects outside the Bratislava region
- start-ups and developing 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 extension
- the amount of the loan in EUR can be a maximum of 1 mil. EUR
- the amount of the guarantee is up to 70% of the amount owed
SME Loan Guarantee Programme - EIF
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The European Investment Fund (EIF) provides a guarantee of 50% of the amount of the loan for entrepreneurs, small and medium-sized enterprises whose subject financing and investment are innovation, digitalization, culture, creative sector or sustainability. With the support of the EIF guarantee, the client not only receives loan security, but also a lower interest rate. |
The programme is valid until 12 April 2025
Eligible bank guarantee applicant:
- Small and medium-sized enterprises (up to 250 employees) with a turnover of max. EUR 50 million or assets max. EUR 43 million (the entire economic client group)
- larger enterprises with up to 499 employees (counting entire economic group of the client)
- with its registered office and operations in the Czech Republic
Loan parameters:
- operating or investment loan
- refinancing of the client's existing liabilities (max. up to up to 10% of the principal amount of the loan)
- the undertaking or loan must meet the criteria of innovation; or digitalisation or culture or creative sector or sustainability
- a guarantee of up to 50% of the amount owed for investment loans and for operating loans
- the maximum loan amount in EUR may be EUR 7,5 million
- loan maturity from 12 to 120 months for investment loans and 12 months for an operating loan from the signing of the loan agreement with the possibility of extendable
COVID
The SIH Anti-Corona Guarantee Program – FLPG SME COVID
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New guarantee program provided by Slovak Investment Holding, a. s. (SIH) with an optionto acquire interest subsidy for the support of micro, small and medium companies in order to mitigate the impacts of the COVID-19 pandemic and the related preventive measures having consequences for the business operation.
Program is valid until 30/09/2023
Authorised applicant for the bank guarantee:
- Micro, small and medium company with max. turnover of MEUR 50 or max assets of MEUR 43 and number of employees less than 250 (the client’s whole economic group is included)
- with registered office and operation in the territory of Slovakia
Loan parameters:
- Operating or investment loan
- The maximum loan amount in EUR can be MEUR 1.18
- Maturity of the loan 12 – 48 months from the signature of the loan agreement
- Guarantee amount up to 80%
- Deferral of repayment of the principal and interests for 12 months
- Preferential interest rate by as much as 4 % p.a. Thanks to the interest subsidy
- Processing, loan increase and early repayment free of charge
ARCHIV
The SIH Anti-Corona Guarantee Program 2A EŠIF
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Program is valid until 30/06/2023
The new guarantee program provided by Slovak Investment Holding, a. s. (SIH) to support micro, small and medium companies in order to mitigate the impacts of the COVID-19 pandemic and the related preventive measures having consequences for the business operation.
Authorised applicant for the bank guarantee:
- Micro, small and medium company with max. turnover of MEUR 50 or max assets of MEUR 43 and number of employees less than 250 (the client’s whole economic group is included)
- with registered office and operation in the territory of Slovakia
Loan parameters:
- Operating or investment loan
- The maximum loan amount in EUR can be TEUR 500 to MEUR 2
- Maturity of the loan 24 – 72 months from the signature of the loan agreement
- Guarantee amount up to 90%
- Deferral of repayment of the principal and interests for 12 months
- Processing, loan increase and early repayment free of charge
EXIMBANKA Guarantee Program
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New guarantee program provided by the Export-Import Bank of the Slovak Republic to support small, medium and large companies in order to mitigate the declaration of the emergency situation in relation to the COVID-19 pandemic in the teritory of the Slovak Republic, and adoption of the support framework in relation to the spread of the COVID-19 disease on the liquidity and economic situation of the companies and their employees. |
Program is valid until 31/12/2021
Authorised applicant for the bank guarantee:
- Small and medium company with max. turnover of MEUR 50 or max. assets of MEUR 43 and number of employees less than 250 (the client’s whole economic group is included)
- Large company
- with registered office and operation in the territory of Slovakia
Loan parameters:
- Operating or investment loan
- The maximum loan amount in EUR can be MEUR 1.18
- Maturity of the loan 24 – 72 months from the signature of the loan agreement
- Guarantee amount up to 80%
- Deferral of repayment of the principal and interests for 12 months
- Processing, loan increase and early repayment free of charge
▸ Financial Reserve without a lot of paperwork
No need to file a tax return and without the need for business history - limit up to EUR 10 000.
BENEFITS
- credit for natural persons doing business for limited companies, even without business history
- limit EUR 1 200 to 10 000
- with an interest rate of 13 - 17 % p. a.
- without tax return documentation
- without documentation of indebtedness
- without reinsurance (only for natural persons doing business)
▸ Financial reserve with low interest rate
On the basis of the submitted tax return - limit up to EUR 100 000.
Parameters
- credit for natural persons doing business as well as for limited liability companies
- limit of EUR 100 000, up to 15% turnover
- with an interest rate from 6.90 % p.a.
- proof of one tax return
- without documentation of indebtedness
- without real estate collateral
Financial reserve for farmers
Financing of clients’ short-term operational needs, arising mainly in the period prior to the receipt of subsidies granted to clients engaged in agricultural primary production.
Parameters
- credit for natural persons – entrepreneurs, limited liability companies and cooperatives
- limit of up to EUR 300 000
- interest rate at 5.9 % p.a.
- proof of one tax return and the decision granting the subsidy for the previous year
- individual collateral
