Back to top

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.

 

MORE INFORMATION 

 

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.

 

MORE INFORMATION

STANDARD

EIB GUARANTEE G4M - Growth for MidCap

G4M Programme for Mid-Cap Loans through an EIB Guarantee

The European Investment Bank (EIB) provides a guarantee of up to 50% of the loan amount to support the growth of mid-cap companies in the Czech Republic and Slovakia. Thanks to the EIB guarantee, the client benefits not only from loan collateral but also from the possibility of a lower interest rate.

Programme validity: until 19 December 2027 

 

Eligible applicants for the guarantee:

  • Mid-cap companies (from 250 to 2,999 employees; the entire economic group of the client is considered, where applicable)
  • Small and medium-sized enterprises (SMEs) (up to 249 employees, with turnover above EUR 50 million and total assets above EUR 43 million; the entire economic group of the client is considered, where applicable)
  • Companies headquartered and operating in the Slovak Republic or the Czech Republic

 

Loan parameters:

  • Working capital or investment loan
  • Guarantee coverage of up to 50% of the outstanding amount for both investment and working capital loans
  • Loan amount in EUR of up to EUR 40 million, depending on the applicant’s creditworthiness
  • Loan maturity:
    • from 2 to 10 years for investment loans with linear repayment, or
    • from 12 months to 5 years for working capital loans or loans with other repayment structures
  • Suitable for companies operating in riskier or more volatile sectors, fast-growing companies, as well as companies in the agricultural sector
  • The business activity or loan purpose must not fall within excluded or sensitive sectors
EIF Invest EU - Sustainability guarantee

The European Investment Fund provides a guarantee of 50% of the loan amount for sustainable investments and sustainable businesses.

 

 

Eligible Applicant

  • Small and medium-sized enterprises (up to 250 employees and turnover up to EUR 50 million or balance sheet total up to EUR 43 million, all consolidated for the group)
  • Larger enterprises with up to 499 employees (consolidated for the group)

 

Loan parameters

  • The company must meet sustainability criteria
  • Maximum loan amount: EUR 8.25 million
  • Maturity:
    Investment loan: 12 – 120 months

 

Benefits

  • Lower interest rate
  • Lower collateral requirements
  • We will handle the application

The program is valid until December 31, 2027.

 

EIF InvestEU

Lending programme for small and medium-sized enterprises through the EIF guarantee

With the support of InvestEU, the European Investment Fund (EIF) provides a guarantee of 50% of the loan amount for entrepreneurs, small and medium-sized enterprises (SMEs) whose object of financing and investment is innovation, digitisation, culture, the creative sector or sustainability. Thanks to the EIF guarantee, the client receives not only the security of the loan, but also a lower interest rate.

 

Programme valid until 31/12/2027.

 

Eligible applicant for the guarantee:

  • Small and medium-sized enterprises (fewer than 250 employees) with a turnover of up to EUR 50 million or assets of up to EUR 43 million (the entire economic group of the client is considered) 
  • Larger enterprises with fewer than 499 employees (the entire economic group of the client is considered) 
  • Based and operating in Slovakia

Loan parameters:

  • Operating or investment loan
  • Refinancing of the client's existing liabilities (up to 10% of the loan principal)
  • The enterprise or loan must meet the criteria of innovation or digitisation or culture or creative sector or sustainability
  • Guarantee of up to 50% of the amount owed for investment loans and for operating loans
  • Loan amount EUR 8.25 million
  • Loan maturity from 12 to 120 months for an investment loan and 12 months for an operating loan from the signing of the loan agreement with the possibility of rollover
EIF – InnovFIN Guarantee

Lending programme for small and medium-sized enterprises through the EIF guarantee

Under the InnovFin/HORIZON 2020 initiative, the European Investment Fund (EIF) provides a guarantee of 50% of the loan amount for entrepreneurs who are innovative or want to invest in digitisation. Thanks to the EIF guarantee, the client receives not only the security of the loan, but also a lower interest rate.

 

Programme valid for new loans until 30/6/2026. 

 

Eligible applicant for the bank guarantee:

  • Small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 500 employees (the entire economic group of the client is considered)      
  • Small, medium-sized or larger enterprises with between 500 and 3,000 employees 
  • Based and operating in Slovakia

Loan parameters:

  • Operating or investment loan
  • A loan with an innovative investment or an investment in digitisation
  • Guarantee of up to 50% of the amount owed for investment loans and for operating loans
  • Loan amount ranging from EUR 25,000 to EUR 7.5 million
  • Loan maturity from 12 to 120 months for an investment loan and 12 months for an operating loan from the signing of the loan agreement with the possibility of rollover
EIF – EGF COVID Guarantee

Lending programme for micro, small, medium-sized and larger enterprises through the EIF-EGF guarantee

In cooperation with the European Investment Fund (EIF) with the support of the Pan-European Guarantee Fund (EGF), UniCredit Bank Slovakia is the only bank on the Slovak market to provide a loan guarantee for micro, small, medium-sized and larger enterprises in order to mitigate the impact of the COVID-19 pandemic. Thanks to the EIF guarantee, the client receives not only the security of the loan, but also a lower interest rate.

 

Programme valid until 31 December 2022.

 

Eligible applicant for the guarantee:     

  • Micro, small and medium-sized enterprises with fewer than 250 employees and a turnover of up to EUR 50 million or assets of up to EUR 43 million (the entire economic group of the client is considered) 
  • Larger enterprises with between 250 and 499 employees
  • Based and operating in Slovakia or in a European Union country that has contributed to the Pan-European Guarantee Fund, a list of which is published by the EIF on its website.

Loan parameters:

  • Operating or investment loan in EUR 
  • Loan amount      up to 7.5 million 
  • Loan maturity from 3 to 72 months for an investment loan and 3 to 36 months for an operating loan 
  • The guarantee amount up to 70% of the amount owed
  • Financing of new loans and refinancing of client's liabilities
SIH Anti-Crisis Guarantee 1

SIH Anti-Crisis Guarantee Programme – FLPG SME COVID

 

Programme valid until 30 September 2023.

 

Guarantee programme provided by Slovak Investment Holding, a. s. (SIH) with the possibility of obtaining an interest subsidy to support micro, small and medium-sized enterprises in order to mitigate the impact of the COVID-19 pandemic and related preventive measures that have had an impact on the operation of enterprises and also in connection with the negative impact of other global challenges, such as the crisis situation in Ukraine, on the entrepreneurial sector in the Slovak Republic.

 

The financing of the guarantee is secured within the framework of the benefits of the support from the Operational Programme Integrated Infrastructure, which is co-financed by the European Structural and Investment Funds.

Eligible applicant for the bank guarantee:

  • Micro, small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 250 employees (the entire economic group of the client is considered)
  • Based and operating in Slovakia

 

Loan parameters:

  • Operating or investment loan
  • Loan amount EUR 1.18 million
  • Loan maturity of 12 months with the possibility of prolongation to a maximum of 48 months from the signing of the loan agreement
  • The guarantee amount up to 80% of the amount owed
  • Deferment of principal and interest payment for 12 months (applies to instalment loans)
  • Discounted interest rate of up to 4% p.a. thanks to the interest subsidy
  • No loan processing, increase and early repayment fees
FLPG Guarantee – programme closed

Lending programme for small and medium-sized enterprises through the FLPG guarantee

 

 

Programme valid until 31 December 2023.


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

The financing of the guarantee is secured within the framework of the benefits of 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.

 

Eligible applicant for the bank guarantee:

  • Small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 250 employees (the entire economic group of the client is considered)
  • Based and operating in Slovakia, except for the Bratislava region / an exception is a company that is based in Bratislava, but operates/implements the project outside the Bratislava region
  • Start-ups and emerging 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 rollover
  • Loan amount  EUR 1 million
  • The guarantee amount up to 70% of the amount owed
SIH Anti-Corona Guarantee 2A - programme closed

SIH Anti-Corona Guarantee 2A ESIF programme

 

 

Programme valid until 16 November 2020.

 

Guarantee programme provided by Slovak Investment Holding, a. s. (SIH) to support micro, small and medium-sized enterprises in order to mitigate the impact of the COVID-19 pandemic and related preventive measures that had an impact on the operation of the enterprises.

The financing of the guarantee is secured within the framework of the benefits of the support from the Operational Programme Integrated Infrastructure, which is co-financed by the European Structural and Investment Funds.

 

Eligible applicant for the bank guarantee:

  • Micro, small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 250 employees (the entire economic group of the client is considered)
  • Based and operating in Slovakia

 

Loan parameters:

  • Loan amount for small and medium-sized enterprises up to EUR 2 million, for micro enterprises up to EUR 500 thousand
  • Loan maturity of 24 months for revolving loans, 24 to 72 months for instalment loans from the signing of the loan agreement
  • The guarantee amount up to 90% of the amount owed
  • No loan guarantee, processing, increase and early repayment fees

 

SIH Anti-Corona Guarantee 2B - programme closed

SIH Anti-Corona Guarantee 2B State Resources

 

 

Programme valid until 30 June 2021.

 

New guarantee programme provided by Slovak Investment Holding, a. s. (SIH) to support micro, small, medium-sized and large enterprises in order to mitigate the impact of the COVID-19 pandemic and related preventive measures that had an impact on the operation of the enterprises.

 

Eligible applicant for the bank guarantee:

  • Micro enterprises (with fewer than 10 employees or EUR 2 million turnover), small and medium-sized enterprises (SMEs) (fewer than 250 employees or EUR 50 million turnover or assets of EUR 43 million). The entire economic group of the client is considered
  • Large enterprises (not meeting the above conditions for small and medium-sized enterprises) 
  • Based and operating in Slovakia
  • Also for clients with a business licence in agribusiness

 

Loan parameters:

  • Operating or investment loan
  • Loan amount for SMEs and large enterprises up to EUR 2 million, for micro enterprises up to EUR 500 thousand 
  • Loan maturity of 24 months for revolving loans, 24 to 72 months for instalment loans from the signing of the loan agreement
  • The guarantee amount up to 90% of the amount owed
  • Deferment of principal and interest payment for 12 months
  • No loan guarantee, processing, increase and early repayment fees
EXIMBANKA Guarantee Programme - programme closed

EXIMBANKA Guarantee Programme

Guarantee programme provided by the Export-Import Bank of the Slovak Republic to support small, medium-sized and large enterprises for the purpose of mitigating the declaration of a state of emergency or a state of emergency in connection with the COVID-19 pandemic in the territory of the Slovak Republic, and the adoption of a framework of support in connection with the spread of the COVID-19 disease on the liquidity and economic situation of enterprises and their employees.

 

Programme valid until 31 December 2021.

 

Eligible applicant for the bank guarantee:

  • Small and medium-sized enterprises with a turnover of up to EUR 50 million or assets of up to EUR 43 million and fewer than 250 employees (the entire economic group of the client is considered)
  • Large enterprises (not meeting the above conditions)
  • Based and operating in Slovakia

 

Loan parameters:

  • Operating or investment loan
  • Loan amount  EUR 1.18 million
  • Loan maturity of 24 months for revolving loans, 24 to 72 months for instalment loans from the signing of the loan agreement 
  • The guarantee amount up to 80% of the amount owed
  • Deferment of principal and interest payment for 12 months
  • No loan guarantee, processing, increase and early repayment fees
EIB Guarantee – EGF Individual Guarantee COVID – programme closed -> EIB Guarantee – EGF COVID – programme closed

Programme for larger and large enterprises through the EIB – EGF guarantee

 

In cooperation with the European Investment Bank (EIB) with the support of the Pan-European Guarantee Fund (EGF), UniCredit Bank Slovakia is the only bank on the Slovak market to provide a guarantee for larger enterprises in order to mitigate the impact of the COVID-19 pandemic. Thanks to the EIB guarantee, the client receives not only the security of the loan, but also a lower interest rate. Owing to the EIB Guarantee Programme, UniCredit Bank is ready to provide a total of EUR 200 million in financing with a 50% EIB guarantee.

 

Programme valid until 31 December 2022.

 

Eligible applicant for the guarantee:     

  • Enterprises with between 250 and 2,999 employees or enterprises with fewer than 250 employees but a turnover exceeding EUR 50 million and a balance sheet exceeding EUR 43 million (the entire economic group of the client is considered), 
  • Enterprises with more than 3 000 employees (operating loan only), 
  • Based and operating in Slovakia or in a European Union country that has contributed to the Pan-European Guarantee Fund, a list of which is published by the EIB on its website.

Loan parameters:

  • Operating or investment loan in EUR
  • Loan amount      up to 50 million
  • Loan maturity from 1 to 60 months for an investment and an operating loan
  • The guarantee amount up to 50% of the amount owed.

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).

MORE INFORMATION 

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.

Spinning wheel animation

Loading

UniCredit Logo