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krediti sa garancijom drzave

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.

You are interested? Send us an inquiry and our advisors will contact you shortly

Notice the processing and protection of personal data

Use of the Bank's website is possible without leaving personal information, In a case you want to get more detailed information, register or use the Bank's business services, in certain parts of the Bank's website, it is possible to voluntarily enter your own personal data.

The Bank collects, processes, stores and protects personal data for the purpose of preparing, concluding, and executing contracts, or acting on requests submitted through the contact form on the website in accordance with established principles and requirements of the applicable Law on Personal Data Protection, which is described in detail through the document “Notice on the processing of personal data of ProCredit Bank” which is available on the official website of the Bank and the business premises of the Bank.