Microloans for businesses
with ALTUM guarantee

Fast loan of up to 50,000 Euro depending on the turnover of your business.

Receive an offer

  • Fast decisionWe will make a decision on issuing you a loan within 30 minutes
  • No real estate collateralNo additional collateral is required
  • ALTUM guaranteeYou can add an ALTUM guarantee and receive better 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 50,000 EUR depending on the turnover of your business
  • Convenient repayment schedule of up to 5 years, with interest starting from 9.8%
  • 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 50,000 Euro depending on the turnover of your business
  • Convenient repayment timetable of up to 5 years
  • Interest rate from 14% 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

50 000 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 14% 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

Find out how much you can borrow

  • Find out yourself

    Find out credit rating of your business online and receive offer for Microloan

    Find out credit rating

  • Consultation

    Get in touch with our managers

    Contact us

Even more opportunities

  • Payment plans

    One payment for many transfers

    Find out more

  • Payment card acceptance

    5 kinds of terminals for different kinds of retail locations

    Find out more

  • Other types of financing

    Financing from 7,000 Euro to several million Euro to develop your business.

    Find out more