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Loans secured by state guarantees

What kind of loan is it?

ProCredit Bank has begun approving liquidity and working capital loans secured by state guarantees.

Entities eligible for a loan secured via a state-issued guarantee:   

  • all entities seated in the Republic of Serbia
  • agricultural holdings registered with the Serbian Business Registers Agency (SBRA) and classified as entrepreneurs or micro, SMEs, in line with the law which governs accounting
Benefits of loans with a state guarantee

The main benefits of loans with a state guarantee are favorable interest rates, but also the fact that placements can be placed without collateral.

Additional information
Loan purpose

Mitigate the negative effects of the Covid-19 pandemic and support the Serbian economy by maintaining current liquidity levels and financing the purchase of goods / working capital.

Loan maturity

Up to 36 months, including a grace period from 9 to 12 months.

Annuity type

Repayment in monthly instalments.

Loan currency
  • RSD loans 
  • indexed in EUR.
Maximum individual loan amount
  • 25% of the 2019 revenue, based on the annual statement of accounts for 2019 (for statistical purposes)
  • Up to EUR 3 million
The total amount of the guarantee scheme-secured loan

The loan amount of guarantee scheme-secured loans totals RSD 240 billion (approx. EUR 2 billion).  

One billion euro of these guarantees (50% of the total guarantee scheme) shall be disbursed depending on the market share of domestic banks.

The remaining one billion euro shall be disbursed on a ‘first come, first serve’ basis.

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