Microloans for businesses
with ALTUM guarantee

Fast loan of up to 70 000 EUR with an interest rate from 7 % per year

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  • Everything remoteApply, receive an offer and sign an agreement online
  • Fast decisionReceive a loan offer within 30 minutes
  • Great termsNo need to use your property as collateral

What is a microloan?

Microloan: a loan for successful day-to-day business operations and various needs.

  • Both current Citadele customers and those from other banks can apply for a loan.
  • Become a Citadele customer in just 20 minutes

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

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.

Microloan calculator

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EUR

1 000 EUR

70 000 EUR

months

How to get a microloan?

  • Fill in an application through the Citadele online bank or here through our website, if you are not yet a Citadele customer
  • Receive an individually-calculated offer within 30 minutes to your email or via our website under My Applications
  • Become a Citadele customer remotely, in just 20 minutes
  • Sign an agreement and receive the money in your business account within one business day

Receive an offer