Working Capital Loan
The loan for working capital and maintenance of liquidity is approved quickly and with minimal collateral instruments. Save your time and focus your attention to the important aspects of your business
Working Capital Loan
Use a loan to finance working capital and maintain liquidity for current needs, refinance existing loans at another bank or make international payments.
- Repayment term available up to 48 months
- Loan repayment in equal monthly annuities
- Grace period of up to 6 months
Loans are approved in EUR (in RSD equivalent at the NBS middle exchange rate on the disbursement date), RSD and in foreign currency for international payments.
For entrepreneurs, in accordance with the NBS Instruction on refinancing loans with another bank:
Refinance your credit obligations with another bank quickly and easily – without visiting that bank. Enabled by the Instruction of the National Bank of Serbia, you can simply switch banks and refinance your credit obligations with a loan that offers the conditions best suited to you. All communication with the bank whose loan you wish to refinance will be handled by us until the loan is closed.
Representative example in RSD
Representative example of RSD loan for working capital and maintenance of liquidity with variable interest rate
| Representative example of RSD loan for working capital and maintenance of liquidity with variable interest rate | |
| Loan amount | 1.000.000 RSD |
| Repayment period | 24 months |
| NIR annually | 4 % + three-month BELIBOR |
| Monthly instalment | 45.539,49RSD |
| Fee for loan processing (1%)* | 10.000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 350 RSD |
| Owner bill of exchange | 100 RSD |
| Debtor Credit Bureau report: | 600 RSD for entrepreneur |
| Owner Credit Bureau report: | 246 RSD |
| Tax certification fee | 840 RSD |
| Monthly fee for current account** | 595 RSD |
| EIR annually | 11,80 % |
| Total amount of loan (principal, interest and costs) | 1.119.363,86 RSD |
| EIR calculated on | 12.08.2025. |
* The interest rate is variable and consists of the key policy rate - three-month BELIBOR, as the variable part, and Bank’s margin as the fixed part, in accordance with Bank’s Tariffs. In the calculation of EIR, the value of 3M BELIBOR on 12.08.2025 was used (4.68% per year). Interest is adjusted to 3M BELIBOR on a quarterly basis. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying for the loan
Representative example in EUR
Representative example of EUR loan for working capital and maintenance of liquidity with fixed interest rate
| Representative example of EUR loan for working capital and maintenance of liquidity with fixed interest rate | |
| Loan amount | 10.000 EUR |
| Repayment period | 24 months |
| NIR annually | 0.09 |
| Monthly instalment | 456.86 EUR |
| Fee for loan processing (1%)* | 100 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 350 RSD |
| Owner bill of exchange | 100 RSD |
| Debtor Credit Bureau report: | 600 RSD for entrepreneur |
| Owner Credit Bureau report: | 246 RSD |
| Tax certification fee | 840 RSD |
| Monthly fee for current account** | 595 RSD |
| EIR annually | 10,90 % |
| Total amount of loan (principal, interest and costs) | 11.204,84 EUR |
| EIR calculated on | 12.08.2025. |
*On the total approved loan amount **Included in the EIR calculation for clients who opened the account when applying for the loan
Representative example of RSD loan for working capital and maintenance of liquidity with variable interest rate
| Representative example of RSD loan for working capital and maintenance of liquidity with variable interest rate | |
| Loan amount | 1.000.000 RSD |
| Repayment period | 24 months |
| NIR annually | 4 % + three-month BELIBOR |
| Monthly instalment | 45.539,49RSD |
| Fee for loan processing (1%)* | 10.000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 350 RSD |
| Owner bill of exchange | 100 RSD |
| Debtor Credit Bureau report: | 600 RSD for entrepreneur |
| Owner Credit Bureau report: | 246 RSD |
| Tax certification fee | 840 RSD |
| Monthly fee for current account** | 595 RSD |
| EIR annually | 11,80 % |
| Total amount of loan (principal, interest and costs) | 1.119.363,86 RSD |
| EIR calculated on | 12.08.2025. |
* The interest rate is variable and consists of the key policy rate - three-month BELIBOR, as the variable part, and Bank’s margin as the fixed part, in accordance with Bank’s Tariffs. In the calculation of EIR, the value of 3M BELIBOR on 12.08.2025 was used (4.68% per year). Interest is adjusted to 3M BELIBOR on a quarterly basis. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying for the loan
Calculate your instalment on the assumption of the exchange rate change
Do you have any additional questions?
Write to us using our online contact form, and we will contact you.
Overdraft Loan
Instant financial support and easily accessible funds. Recommended for maintenance of liquidity.
Find out moreBiznis e-bank
With biznis e-bank make it easier to yourself to take care of your daily banking from your working place, without going to the branch: Review of funds and spending by business cards, balance statement generation, execution of payment orders and transfers and creation of payroll lists for disbursement of salaries to employees.
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