Loans

a. CREDIT LINE FROM THE BANK'S OWN RESOURCES

Purpose: Financing of permanent and working capital, construction of facilities for own needs, construction of facilities intended for further sale, purchase of shares in other legal entities, refinancing of loan debts in the Bank and / or other financial institutions, etc.)

Amount: it is contracted in particular respecting the prescribed exposure limits

Repayment period: up to 10 years

b. CREDIT LINE FROM THE FUNDS OF THE ANTI-VALUE FUND

Lending opportunities:

• Revival and development of production and production services in the fbih area;
• Financing of production of export-oriented enterprises
• Financing of projects in the manufacturing industry;
• Other activities.

Purpose:

• Revival and development of production and production services, and other services;
• Lending to the production cycle of export-oriented enterprises and financing of fixed and working capital;
• Refinancing of existing loan debts and other liabilities if the Bank deems acceptable.

Loan amount: from KM 20.000,00 – KM 1.000.000,00

Repayment period: up to 10 years

Grace period: up to 12 months, and for primary agricultural production up to max. 36 months

When applying for a loan and guarantee arrangement, it is necessary to submit the following documentation:

1. Loan/guarantee application;
2. A certified copy of the court registration with information on all status changes;
3. Certified copies of the Notification of the Bureau of Statistics on the classification of business and other entities by activity, in which the registration number is indicated;
4. Certificate of the Ministry of Foreign Trade on registration in a single register for performing foreign trade activities
5. Certified copies of the periodic and final financial statements (balance sheet and balance sheet), certified by the company and the tax administration for the previous two years;
6. Audit report on operations for the previous year for companies that have a legal obligation;
7. The name of the banks with which transaction accounts and the numbers of those accounts have been opened, the account card for the last three months, the card of deposited signatures of authorized persons;
8. Copies of identification documents and registration of the place of residence of responsible persons and biographies of the owners and leading managers of the company;
9. Copy of at least two invoices (electricity, fixed telephone, gas, etc.) proving that the client's address has been verified;
10. Signed consent for verification of the client / legal entity – guarantor in the Central Registry of Loans and the Central Registry of Transaction Accounts;
11. Investment program with a brief description of the company's current operations (for long-term loans)
12. Certificate of the Tax Administration and the Indirect Taxation Authority on the (non)existence of tax liabilities not older than 7 days;
13. Business plan and projections, including balance sheet and income statement and cash flow for the duration of the loan;
14. Proof of securing own funds;
15. Statement of the authorized person that the company is not being prosecuted – a court proceeding for debt collection is being conducted;
16. Collateral documentation – a description of collateral instruments for example for real estate requires proof of ownership and appraisal of the market value of the property.

Other required documentation is requested during the processing of the application.

 Application for opening a loan

The bank provides the possibility of financing newly established companies if the same:

• participate with their own assets with at least 30% of the total value of the investment;
• have a program, i.e. a business plan that shows the reality of a successful business and the possibility of servicing loan obligations;
• have a market tested and the placement of their products and services secured;
• have the necessary professional workforce and experience for the activity they intend to engage in;
• offers appropriate, acceptable collateral for the Bank.