Business loans

Loan to help develop your business. Apply online and receive an offer within 1 business day.

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Different financing types

Select the most suitable financing method to develop your business: short or long term.

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Personalised terms

Apply for the loan you need for your business, from a few thousand to several million Euro.

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Individual approach

Collaborate with your personal manager, who will find the best-value solutions.

Long-term loans


Financial support for a specific long-term project.

  • Financing of up to 80 % of the project’s costs.
  • Repayment term up to 15 years with a personalised repayment schedule.
  • Repayment on the base loan amount begins after the project ends.
  • You can use various assets as collateral: immovable property, commercial pledge on other assets, guarantee, etc.
  • Option of including an ALTUM guarantee
  • You can add EIB support.
Apply
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A loan for different needs, from small repairs to stocking your warehouse before the active season.

  • Borrow between 1000 EUR and 70 000 EUR with an ALTUM guarantee, depending on your turnover.
  • Repayment term of up to 5 years.
  • Interest rate from 9 % per year.
  • No collateral or immovable property pledge.
  • EIB support for financing is currently unavailable.
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The purchase of up-to-date equipment is a powerful step towards developing your business: trucks, vehicle fleets, manufacturing equipment and agricultural machinery.

  • Financing of up to 90 % of the value of the vehicle or equipment.
  • Farmers can access a leasing loan or leasing with European Union co-financing.
  • Receive an offer within one business day.
  • You can add EIB support.
Find out more
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This loan is intended to improve the energy- efficiency of residential buildings, resulting in lower bills and an improved building condition and value.

  • The loan application can be submitted by a legal person, association or building manager with power of attorney for the homeowners.
  • Our partner ALTUM covers up to 49 % of eligible project expenses not including VAT.
  • You will need an energy audit, a statement from ALTUM on the compliance of technical documents with the Energy Efficiency in Multi-Apartment Buildings program, and other documents by the bank’s request.
  • The total amount owed on services linked with using the apartment (building management, waste removal, heating, water and plumbing) in the past year must amount to less than 10 % of the total bills for these services.
  • Real estate collateral not needed.
  • You can read more on how this loan is issued here.
  • You can add EIB support.
Apply
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Short-term loans


A loan for your everyday business needs.

  • The loan can be used and repaid at any time
  • Only pay interest on the amount you spend
  • Term of up to 12 months with the option of extending
  • Collateral can be one of various assets: immovable property, commercial pledge on other assets or a guarantee
  • Option of including an ALTUM guarantee
Apply
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The loan is added to your business payment card as a credit limit which the business can use when necessary.

  • Borrow between 1000 EUR and 20 000 EUR, depending on your turnover
  • Available for one year with the option of extending
  • Fixed interest rate from 12% per year
  • Only pay interest on the amount spent and for the length of time borrowed
  • No real estate collateral
  • After signing the agreement, you will receive the funds in the account linked to your business card within two business days, or if you already have an X Business card, then within a couple of hours
Receive an offer
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EIB support

European Investment Bank (EIB) supported financing for small, medium and large businesses of up to 12.5 million EUR.


Read more

How to receive a loan

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Apply for a consultation

by filling in an application here on our website or by signing up for an in-person consultation
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Arrange a meeting

with a manager for additional consultations
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Sign an agreement

for the financing type that is best for your business
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Apply for a consultation

by filling in an application here on our website or by signing up for an in-person consultation
icon

Arrange a meeting

with a manager for additional consultations
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Sign an agreement

for the financing type that is best for your business
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Do it digitally

Apply for a secured or unsecured loan, submit your documents and receive an offer online without visiting the bank.


Apply

Become a customer remotely

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Become a customer remotely in 20 minutes and enjoy Citadele’s benefits!

Become a customer

More opportunities

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Payment plans

One payment for all the most important everyday services for your business.
Learn more
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X Business card

A card with travel insurance and purchase protection included, and the option of receiving up to 20 000 EUR in financing for various business needs without additional collateral.
Learn more
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Payment acceptance

Various solutions for accepting payments in retail locations and online.
Learn more