LIFT Express Business Loan
Being aware of the needs and business dynamics of small and medium enterprises, Podgorička banka offers LIFT loans under affordable terms and conditions, adjusted to SME business cycle, which you and your business partners may find very attractive.
For whom is it intended?
LIFT Express Business Loan is intended for small and medium enterprises with annual turnover from EUR 50,000 to 1.5 million.
Advantages
- Favourable repayment terms up to 24 months for working capital and up to 60 months for fixed assets
- Grace period up to 6 months
More
Loan security
- Bills of exchange of the company and the owner and bill authorisations
- Collection orders
Other types of security
- Guarantors – natural and legal persons
- Mortgage
- Pledge
Required documentation
- >Loan application
- Balance sheet as of 31/12 for the last two years
- Income statement as of 31/12 for the last two years
- Interim balance sheet for the current year
- Analytical cards of buyers and suppliers for the previous year
- Statement of indebtedness from other financial institutions
- Statement of credit obligations paid to other banks
- Supplier's offer – proforma invoice (for investment credit)
- Proof of title over the proposed collateral
If you are opening an account, you also need to submit:
- Application for opening transaction account
- OP Form certified by relevant institution
- Specimen signature card
- Incorporation charter
- Registration certificate
- Tax Identification Number (PIB)
- ID card of authorised officer (photocopy)
*Upon the request of personal banker, additional documentation may be needed
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