Frequently asked questions

SME Bank grants loans only to legal entities. You can find a loan application here.

You can get funding in the amount from 10,000 to 3,000,000 euros. We can answer how much your company will be able to borrow after assessing your company’s financial capabilities.

It is a business financing agreement in which the client receives the funds by pledging the existing real estate.

The commitment fee is calculated from the undrawn credit amount, assuming that there are 360 ​​days in a year and a calendar number of days in a month. The commitment fee is calculated from the date of signing the agreement until the end of the respective borrowing term.

In the case of a line of credit, the maturity of the credit borrowing term is equal to the maturity of the credit.

After submitting the application and all the necessary documents to obtain a loan, we will assess your company’s financial capabilities and provide a response within 1 business day.

We assess each case individually, please submit your application online and we will contact you. You can apply here.

After filling in the online application, we will assess the nature of your company’s activities and financial capabilities, and provide you with an individual offer.

Yes, we evaluate each business individually. Please submit an application online and we will contact you.

We will transfer your credit funds to your company’s SME Bank account.

We will transfer your credit funds to your company’s SME Bank account. If you need to transfer the funds to another bank’s account, you can do so by connecting to online banking.

Log in to the online banking and select the “Statements” section

Choose a loan agreement and payment schedule format

If you select Show on Screen, you will see an upcoming payment schedule for your credit agreement in the window that opens. You can view the schedule at any time by logging in to the online banking or saving it in PDF format.

In the case of a credit line, the payment schedule is not provided. You can email us to check the amounts of accrued interest and commitment fee by sending an e-mail to [email protected] or a message via online banking.

No, a bank statement is sufficient for the registration of financial services provided by banks, if it contains the requisites required by the Law on VAT and the Law on Corporate Income Tax. This document is considered a VAT invoice and the bank is no longer required to write separate VAT invoices, while businesses can recognise the cost of VAT-exempt financial services.