Benefits

  • Individual repayment plan tailored to the needs of your company

  • Suitable for business with a particularly seasonal nature

  • Long repayment period

  • Quick response after submitting the required documents

  • Professional advice from a bank expert

What can you use the working capital credit for?

  • Purchase of raw materials and/or goods for processing and/or tradeEnsure a continuous production cycle by timely supply of everything you need for your business.

  • Increase of your inventoryPrepare your business for strong seasonal sales or take advantage of volume discounts when purchasing goods from suppliers.

  • Covering current operating expensesUse the funds to pay salaries, rents, utilities, and other daily administrative needs.

  • Paying suppliers and partners Maintain an excellent business reputation and liquidity by paying on time, even in case of late payments from your customers.

Who is this type of funding suitable for?

 

  • Companies wishing to expand their business
  • Negotiating better terms with your suppliers
  • Companies which need to purchase a larger quantity of goods, materials and procure a larger turnover resource

 

Tariffs and General Terms

Application Process

 

Complete a short online request

A bank expert will contact you

Remote document submission

Utilisation of the credit without visiting a bank branch

 

Apply now

Frequently Asked Questions

 

Standard working capital credit has regular repayment instalments, while in the case of an overdraft only interest is repaid monthly.

Working capital credits, depending on their type, have a maximum term of up to 36 months.

A grace period may apply to investment credits.

UniCredit accepts immovable property, fixed tangible assets (FTA), pledge of assets and other acceptable collateral.

Depending on the type of credit, the approval process time may differ. For working capital, the maximum term is up to one week.

The requirements are to have at least one year from the start of business, a regular credit history of the company, information about the legal representative and actual owner.