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Financing your business's general needs
Your business plan can be achieved faster with UniCredit Bank's support.
Working capital line for small and medium enterprises
We know it’s hard to start a new business, but you can easily get the support you need to make it grow!
That’s why we offer you working capital line for small and medium enterprises.
Choose the 12-month credit line, which you can renew at maturity, and for which all utilizations and repayments can be easily realized via BusinessNet.
Benefits of the working capital line:
For current payments, the Business Credit Card or the General Needs Term Loan may be useful.
Working capital line - overdraft type for small and medium enterprises
We know it’s hard to start a new business, but you can easily get the support you need to make it grow!
That’s why we offer you the working capital line - overdraft type for small and medium enterprises.
Choose the 12-month credit line, which you can renew at maturity.
Benefits of the working capital line - overdraft type:
For current payments, the Business Credit Card or the General Needs Term Loan may be useful.
The loan is addressed mainly to companies that want to correlate their incoming payments related to commercial contracts with the reimbursement schedule of a bank’s loan or to those that want a clear product’s reimbursement scheme for a better control of their liquidities.
The loan is offered for a period of maximum 5 years and can be used for general expenses, raw materials, materials, inventories acquisition, commercial contracts financing.
This product also responds to the needs of companies that run seasonal activities.
You have the following benefits:
Factoring services can be useful to companies that deliver goods or carry out services with fixed term payments or to companies that are, by nature, fixed term payment buyers/debtors. The services you can access are:
Developing a business in the desired pace can be easier when you have trustful partners.
Now you can access funding that is guaranteed up to maximum 60% from the loan amount so you enjoy as you want the things that matter.
The SME Initiative, the guarantee tool from the European Union provided by UniCredit Bank, offers access to financing guaranteed up to 60% of the loan amount for small and medium enterprises.
The Bank provides to eligible beneficiaries financing that are guaranteed with a financial guarantee instrument facilitating their access to bank funding in advantageous conditions for creating new enterprises, extending current activity, consolidating companies’ activity or accomplish new projects, including reaching new markets
Companies that access the new facility will pay a guarantee fee of 0.65% of the guarantee value related the used loan and will benefit of interest discount according to loan features.
These transactions are supported by European Union within the Programme SME Initiative, that is financed by European Union through FEDR and Horizon 2020 and by European Investment Fund and European Investment Bank.
About EIF
European Investment Fund (EIF) is a part of European Investment Bank Group. The fund’s main mission is to support the micro, small and medium enterprises from Europe through facilitating their access to financing. EIF projects and develops risk and development capital, guarantees and microfinancing instruments that address to this market segment. Through its role, EIF reinforces the EU objectives to support innovation, research and development, entrepreneurship, economic growth and employment.
Main characteristics of financing that benefits of SME Initiative:
eligible enterprises: small and medium enterprises (up to maximum 249 employees and net annual turnover less than 50 million EUR or total assets of maximum 43 million EUR);
granting period: until 31st of December 2023;
guarantee rate: 60%
transaction purpose: new investments in tangible or intangible assets and/or working capital;
financing type: term loans or revolving facilities;
minimum maturity: 24 months;
maximum maturity: 4 years for revolving facilities (2 years for the first granting and maximum two prolongations of 1 year each) and 12 years for term loans.
The SME Initiative’s benefits for eligible enterprises:
reduced package of requested guarantees;
reduced guarantee fee: 0.65% of guarantee value related to the used loan;
reduced interest rate according to the Agreement with EIF.