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Loans to SME
Credit support to small and medium size enterprises (SME) represents one of the most important segments of operations of Komercijalna Banka.
Small enterprises are enterprises which according to the most recent official financial statements have generated total annual income from EUR 1,000,001 to EUR 3,000,000 as calculated by applying middle exchange rate of the National Bank of Serbia (NBS) on the date financial statements have been prepared.
Medium size enterprises are enterprises which according to the most recent official financial statements have generated total annual income from EUR 3,000,001 to EUR 20,000,000 as calculated by applying middle exchange rate of the National Bank of Serbia on the date financial statements have been prepared.
Legal entities with head offices which are not at the territory of Belgrade can submit loan applications with necessary documentation to the competent branch, whereas legal entities with head offices in Belgrade can submit credit applications with necessary documentation at the address 42-44, Svetogorska Street, except in case of overdraft loans which are to be submitted to competent branch offices in which clients have opened current accounts.
With an aim to meet daily requirements of enterprises no matter whether these concern working capital or investments, Komercijalna Banka provides various loan products such as:
- Short Term Loans
- KOM-BEL Loans
- Working Capital Loan
- Framework Revolving Loan
- Investment Loan
- Loans with 100% Cash Collateral
- Overdraft Loans - Using proceeds on the basis of allowed current account overdraft by Bank's clients
- Loans from the Credit Line of the European Fund for Southeast Europe (EFSE)
- Loans from the Revolving Credit Fund (EAR)
- Loans from the Credit Line of the Italian Government
- Loans from the Credit line of the European Bank for Reconstruction and Development Credit Line (EBRD)
- Loans from the Credit Line of the European Investment Bank (EIB)
- Credit line for development of energy efficiency
- KOM – EXPORT loans
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