With lower interest
investing in working capital is more favourable
Loan with 100% down payment. When you have money to invest, that money can be deposited while in return you get a loan under more favourable terms.
Loan covered by a 100% Deposit Features
Use a loan covered by a 100% deposit to invest in working capital, finance fixed assets and make international payments.
Enjoy loans with repayment periods of up to 60 months, including the possibility of a deferred payment period of up to 12 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.
Represetative example
| Representative example of a loan secured by a 100% deposit with a fixed interest rate in EUR | |
| Loan amount | 10.000 EUR |
| Deposit | 10.000 EUR |
| Repayment period | 24 months |
| NIR annually | 0.06 |
| Monthly instalment | 443,24 EUR |
| Loan processing fee (0.5%)* | 50 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 200 RSD |
| Debtor Credit Bureau report | 600 RSD for entrepreneur |
| Tax certificate fee | 840 RSD |
| Monthly fee for current account** | 595 RSD |
| EIR annually | *** |
| Total amount of loan (principal, interest and costs) | 10.823,31 EUR |
| Price of the loan | 823,31 EUR |
| EIR calculated on | 05.06.2026. |
*On the total approved loan amount **Included in the EIR calculation for clients who opened the account when applying for the loan ***Due to the high amount of the deposit that serves as loan security in relation to the loan amount, there is no economically meaningful solution for expressing the effective interest rate.
| Representative example of a loan secured by a 100% deposit with a variable interest rate in EUR | |
| Loan amount | 10.000 EUR |
| Deposit | 10.000 EUR |
| Repayment period | 24 months |
| NIR annually* | 3 % + three-month EURIBOR |
| Monthly instalment | 440,08 EUR |
| Loan processing fee (0.5%)** | 50 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 200 |
| Debtor Credit Bureau report | 600 RSD for entrepreneur |
| Tax certificate fee | 840 |
| Monthly fee for current account*** | 595 |
| EIR annually | **** |
| Total amount of loan (principal, interest and costs) | 10.747,55 EUR |
| Price of the loan | 747,55 EUR |
| EIR calculated on | 05.06.2026. |
*The interest rate is variable and consists of the key policy rate - three-month EURIBOR, as the variable part, and Bank’s margin as the fixed part, in accordance with Bank’s Tariffs. In the EIR calculation, the value of 3M EURIBOR on 05.06 2026 was used (2.2990% per year). The interest rate is adjusted to 3M EURIBOR 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 ****Due to the high amount of the deposit that serves as loan security in relation to the loan amount, there is no economically meaningful solution for expressing the effective interest rate.
| Representative example of a loan secured by a 100% deposit with a fixed interest rate in RSD | |
| Loan amount | 1.000.000 RSD |
| Deposit | 1.000.000 RSD |
| Repayment period | 24 months |
| NIR annually | 8,5% |
| Monthly instalment | 45.459,86 RSD |
| Loan processing fee (0.5%)* | 5.000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 200 RSD |
| Debtor Credit Bureau report | 600 RSD for entrepreneur |
| Tax certificate fee | 840 RSD |
| Monthly fee for current account** | 595 RSD |
| EIR annually | *** |
| Total amount of loan (principal, interest and costs) | 1.111.956,72 RSD |
| Price of the loan | 111.956,72 RSD |
| EIR calculated on | 05.06.2026. |
*On the total approved loan amount **Included in the EIR calculation for clients who opened the account when applying for the loan ***Due to the high amount of the deposit that serves as loan security in relation to the loan amount, there is no economically meaningful solution for expressing the effective interest rate.
| Representative example of a loan secured by a 100% deposit with a variable interest rate in RSD | |
| Loan amount | 1.000.000 RSD |
| Deposit | 1.000.000 RSD |
| Repayment period | 24 months |
| NIR annually* | 3 % + three-month BELIBOR |
| Monthly instalment | 45.094,36 RSD |
| Loan processing fee (0.5%)** | 5000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 200 |
| Debtor Credit Bureau report | 600 RSD for entrepreneur |
| Tax certificate fee | 840 |
| Monthly fee for current account*** | 595 |
| EIR annually | **** |
| Total amount of loan (principal, interest and costs) | 1.103.184,66 RSD |
| Price of the loan | 103.184,66 RSD |
| EIR calculated on | 05.06.2026. |
*The interest rate is variable and consists of the key policy rate - three-month EURIBOR, as the variable part, and Bank’s margin as the fixed part, in accordance with Bank’s Tariffs. In the EIR calculation, the value of 3M BELIBOR on 05.06 2025 was used (4,7% per year). The interest rate is adjusted to 3M EURIBOR 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 ****Due to the high amount of the deposit that serves as loan security in relation to the loan amount, there is no economically meaningful solution for expressing the effective interest rate.
Calculate your instalment on the assumption of the exchange rate change
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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
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