Loans

We will offer you a funding structure tailored to the individual needs of your company.

Operating capital loans

UniCredit Bank offers a practical solution for funding your company’s operations – a single credit line with which you can easily and repeatedly draw a bank overdraft, letter of credit, guarantee or credit tranche, or enter into transactions to secure your currency and interest rate risks.

 

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Investment loans

Are you going to renovate or expand your company’s facilities? Do you need to free up funds invested in the last 12 months? We will help you in the decision-making on new investments and select a mix of loan and leasing tools for you to best suit your requirements.

Call us at our Infoline +421 2 6920 2090 and agree on an appointment with your advisor.

 

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STANDARD

FLPG PROGRME

Lending programme for small and medium-sized enterprises through FLPG

 

 

Program is valid until 31/12/2023

 

We are the only bank in Slovakia that provides its clients with this FLPG guarantee.

 

The financing of the guarantee is provided within the benefits from 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.

 

Our bank provides:

  • Investment loans
    Investments in tangible or intangible property, including transfers of ownership titles in enterprises, provided the transfers are carried out among independent investors
  • Working capital loans
    Investments in working capital related to the development or expansion of activities as well as the formation or strengthening of a new or existing business of the enterprise.

COVID

SIH Anti-Corona Guarantee 1

The SIH Anti-Corona Guarantee Program – FLPG SME COVID

 

Program is valid until 30/06/2023

 

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.

 

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

SIH Anti-Corona Guarantee Program 2A

The SIH Anti-Corona Guarantee Program 2A EŠIF

 

Program is valid until 16/11/2020

 

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
SIH Anti-Corona Guarantee Program 2B

SIH Anti-Corona Guarantee 2B State
Resources

 

 

Program is valid until 30/06/2021

 

The new guarantee program provided by Slovak Investment Holding, a. s. (SIH) to support micro, small, medium and large 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)      
  • Large company        
  • with registered office and operation in the territory of Slovakia     
  • even for clients with business license in agricultural industry

Loan parameters:       

  • Operating or investment loan       
  • The maximum loan amount in EURcan 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

EXIMBANKA Guarantee Program

 

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

SLOVSEFF -  Loan from EBRD credit line to support energy efficiency in private sector

Eligible applicants*:

  • Private companies;
  • Energy service companies – ESCO;
  • Communities of apartment owners and property management companies.

Benefits for businesses:

  • grant equal to 5-20% of the amount of the loan drawdown;
  • project implemented without public procurement;
  • the contribution can be used for an extraordinary repayment of the received loan;
  • free technical assistance provided over the whole duration of the project;
  • simple, easily available and expeditious process.

*An eligible applicant must not be a majority owner of a company which is a general-government entity

 

Supported areas:

  • Renewable energy
  • Energy efficiency in manufacturing
  • Energy efficiency in home building

Agricultural loans

The products are solely intended for business clients, i.e. legal entities and individuals seated or registered in the Slovak Republic, with a business licence (in agribusiness).

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Financing of renewable sources

UniCredit Group understands the specific business conditions of renewable energy sources in all 17 European countries where it operates. Owing to our experience sharing across the pan-European UniCredit network, we have prepared a special approach for financing your entrepreneurial activities.

We are a bank with the highest involvement in the area of renewable energy sources in the Slovak market.

Financing of renewable sources

UniCredit Group understands the specific business conditions of renewable energy sources in all 17 European countries where it operates. Owing to our experience sharing across the pan-European UniCredit network, we have prepared a special approach for financing your entrepreneurial activities.

We are a bank with the highest involvement in the area of renewable energy sources in the Slovak market.

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