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Private Business Private Banking About the bank C REWARDS
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  1. Business customers
  2. Business loans

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.

Personalised terms

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

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.
  • Fixed annual interest rate from 9%. Until 15.09.2025 fixed annual interest rate 7%.
  • No collateral or immovable property pledge.
  • EIB support for financing is currently unavailable.
Receive an offer Find out more
A barista in a dark shirt and apron cleans a coffee machine, happy about growing their business with the support of Citadele's microloan.

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 or loan 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.
  • You will need an energy audit Altum's preliminary opinion on the reservation of the capital discount 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.
  • More information about the Altum programme here and about the loan granting process here.
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 annual interest rate from 12%. Until 15.09.2025 fixed annual interest rate 9%.
  • 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 a C 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

Step one.

Apply for a consultation

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

Arrange a meeting

with a manager for additional consultations
Step three.

Sign an agreement

for the financing type that is best for your business
Step one.

Apply for a consultation

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

Arrange a meeting

with a manager for additional consultations
Step three.

Sign an agreement

for the financing type that is best for your business
Apply Become a customer
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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

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

Become a customer

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More opportunities

Service plans

One payment for all the most important everyday services for your business.
Find out more
A gray business payment card with the text 'C Business' and the 'Visa' logo

C 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.
Find out more
Making a payment with a payment card using a contactless payment terminal.

Payment acceptance

Various solutions for accepting payments in retail locations and online.
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