Business loans

Financing to develop your business

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  • Various types of financingFind the most suitable for your company’s situation with our help
  • Individual termsApply for the loan you need, from a few thousand to several million Euro
  • Personal approachWork with your private transaction manager, who will always find you the best-value solutions

More opportunities for your business

Big dreams or first steps, ambitious development plans, brave innovations or everyday support: with Citadele, the range of options open to your business are endless. During your talk with a competent personal transaction manager, you will find the most suitable financing method.

Business loans

If your business has a specific project in mind which needs financing, apply for a Citadele loan. It will help you grow, increase efficiency or remain competitive.

  • Finance up to 80% of the project cost
  • Convenient repayment period of up to 15 years with personal repayment schedule
  • Start repaying the base loan sum after the project has been implemented
  • Use several assets as collateral: real estate, commercial pledge on other assets, guarantee and others

Apply for a consultation

Microloans for businesses

Loans for various needs, from small repairs to filling your warehouse before your active season.

  • Loan of between 1000 and 70 000 EUR (with ALTUM guarantee) depending on the turnover of your business
  • Convenient repayment timetable of up to 5 years
  • Fixed interest rate from 9 % per year
  • No need for collateral—you can receive a microloan without collateral or using your property as security

Receive an offer

Lines of credit for businesses

A line of credit gives you stability for everyday business operations.

  • Money can be used when needed. Pay interest only on the amount used
  • Repay within 2 years with the option of extending
  • Guarantee with various assets: real estate, commercial pledge on other assets or a guarantee

Apply for a consultation

Leasing for businesses

The purchase of modern equipment is a powerful step towards growth. Trucks, fleets, manufacturing equipment and agricultural technology: we offer all this to businesses and farmers via leasing.

  • Apply for a consultation. Our leasing specialists have experience in industrial and agricultural leasing, and will find the middle ground between your ambitions and options
  • Receive an offer within 1 working day
  • Financing of up to 90% of the value of the vehicle or equipment
  • Option of a leasing loan with European Union co-financing

Find out more

Loan for renovating apartment buildings

This loan is for improving the energy efficiency of residential buildings, which will help reduce monthly bills and improve the general condition and value of the building. Our partner ALTUM will cover up to 50% of the project costs.

  • Loan applications must be made by a legal person, association or property manager with the authorisation of the apartment owners for the project to go ahead
  • You will need an energy efficiency improvement project and an ALTUM statement
  • The amount in unpaid utility and building management bills within the past 12 months cannot be more than 10% of the total amount invoiced
  • The loan does not require property collateral

Apply for a consultation

How can a business receive a loan?

In your meeting with your personal transaction manager, you will be able to find the most suitable financing method, so we suggest you start with a consultation.

  • Apply for a consultation in-branch by phone or by filling in an application on our website
  • Meet with your transaction manager in person or use our video meeting option
  • Sign an agreement on your most suitable method of financing