Microloans for businesses
with ALTUM guarantee

Fast loan of up to 70,000 Euro depending on the turnover of your business.

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  • Quick decisionReceive a reply to your application within 30 minutes
  • No property collateralCome as you are, with no additional security
  • ALTUM guaranteeTake the opportunity to use an ALTUM guarantee and receive the best terms

What is a microloan?

Microloan—a loan for any needs your business has, from small repair works to filling your warehouse before the active season.

Microloan with ALTUM

Investments or current assets for small and medium businesses who have not exceeded the maximum (De minimis) state aid limit, or 200,000 EUR, in the past 3 fiscal years.

  • Loan of up to 70,000 EUR depending on the turnover of your business
  • Convenient repayment schedule of up to 5 years, with interest starting from 7%
  • Money in your company's account within one working day of signing the agreement
  • Commission includes 1% application fee and 1.42% for the ALTUM guarantee

Receive an offer

Microloan for business

  • Loan of between 1,000 and 20,000 Euro depending on the turnover of your business
  • Convenient repayment timetable of up to 5 years
  • Interest rate from 10% per year, without using your real estate as collateral
  • 2% commission fee (up to 150 EUR)
  • No need for collateral—you can receive a microloan without collateral or using your property as security

Receive an offer

Microloan calculator

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EUR

1 000 EUR

70 000 EUR

months

Choose the best repayment method for you

  • With a schedule: apply for a loan without real estate collateral with an interest rate from 10% per year. Sign the agreement and the money will arrive in your business account within a couple of hours. You can set your own repayment timetable of up to 5 years.
  • With a credit limit: sign the agreement and the money will arrive in your company’s X Business card within 2 working days. Every month, pay 5% of the amount you have spent and, if necessary, you can use the repaid amount again immediately. If you want to repay the credit limit before the end date, you can do this with no commission fee. The repayment method does not apply to Microloans for businesses with ALTUM guarantee.

How to get a microloan?

  • First find out how much your business can borrow.
  • Find out here on our website, the online bank or at a Citadele branch.
  • We will give you an answer on how much your business can borrow and at what interest rate straight away.
  • If your business still isn’t a Citadele client, submit an account statement for the past 12 months.
  • Sign a contract and the money will arrive in your business account.

Receive an offer