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Business loans

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

A man and a woman are standing in a spacious warehouse. The woman is holding a tablet while the man shows something in it.

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.
  • Possible access to EIF or ALTUM guarantee.
A team of five people is looking at a laptop.

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%.
  • No collateral or immovable property pledge.
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.
  • Possible access to EIF guarantee.
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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.
A residential building whose facade is being insulated. The image features three logos: Next Generation EU, National Development Plan 2027, and Altum.

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.
  • Possible access to EIF or ALTUM guarantee.

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%.
  • 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.
A woman takes a photo of her ceramic dish.
European Investment Fund (EIF) logo for lending guarantee.

Financing with EIF guarantee

Get a loan and / or leasing backed by a guarantee from the European Investment Fund (EIF), even without having sufficient collateral.

  • Financing amount up to 1 000 000 EUR.
  • Guarantee up to 80% of financing amount.
  • More flexible collateral requirements apply.
  • Suitable for small and medium-sized enterprises.
  • The guarantee is provided by the EIF and benefits from support from the European Union under the InvestEU Fund.

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

Do it digitally

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

Become a customer remotely

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

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 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.
Find out more