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Loans

A successful company development and business improvement require a solid and stabile financial support. UniCredit Bank provides financial support to its clients for their business activities and new ideas, offering credit products tailored to fit various client's commercial requirements.

 

UniCredit Bank offers a possibility of investing into fixed assets, such purchase, construction, expansion or modernisation of client's production and service capacities. For business financing purposes, long term loans can be used for various purposes such as purchasing of permanent working capital, purchasing of equipment, vehicles or other durable goods, or financing investment projects. Loans maturity period may be different, depending on the nature of the transaction or project.

Long-term Loan to Finance Investments into Fixed Assets

For investment or business development, to expand your business, to construct new plants, to up-grade technology, to boost competitiveness, we can support you with long term loan for finance investments into fixed assets. Loan amount, maturity and other conditions are tailored depending on project type or funding purpose.

LT Loan to Finance Permanent Working Capital

UniCredit Bank offers a long-term loan to fund investments into permanent working capital as a support to the company’s financial base required for dedicated commercial activities. This type of loan is available for investment purposes, in particular for considerable expansion of production or sales capacities, for improvement of the balance sheet structure, as well as to finance permanent inventory, depending on business type and production cycle period. Loan amount, repayment and maturity depend on client's requirements and funding purpose.

 

Short term loans may be used to finance various requirements throughout the production or trade cycle, or until goods delivery or payment receipt in a commercial transaction, as well as for other short term needs or to cover short term discrepancies between funds inflow and outflow. Short term loans are approved for maximum 12-month maturity.

Working Capital Loan

UniCredit Bank offers this type of loan as a solution for occasional and temporary obstacles in successful business doing. This type of loan may be used to finance working capital required for a single transaction or due to lack of working capital due to increased production/trade volumes, extending longer payment terms to customers, seasonal increase of inventories, and gaps between inflows and outflows. Depending on client requirements and specific features of the transaction to be financed, we offer loans in a variety of amounts, maturities and repayment methods.

Overdraft

Overdraft is used for the purpose of current liquidity - to cover short term maturity mismatch between inflows and outflows in the company's transactional account (e.g. occasional time mismatching of accounts payable and receivable, taxes, payroll, etc.), as well as to finance other working capital requirements. This product is created for corporate clients who doesn’t have permanent lack of working capital, but during business activities, due to various reasons, they confront on a case by case basis, maturity mismatching of trade payables and receivables (suppliers, taxes, payroll, etc.). Approved funds are available at any time when required by the client, while the loan is repaid and closed automatically with any inflow to the company's transactional account. The loan amount is defined based on average turnover of the transactional account, and it is approved for 12-month period.

Loans to Finance Receivables in the Country from First-class Customers

UniCredit Bank Product Catalogue contains a loan to finance local receivables from first-class customers, which provides you with an option of accelerating the company's cash flow, i.e. to turn receivables from customers into cash. The prerequisite for this type of loan is a documented proof of such client's receivables from first-class customers with a pre-defined maturity, while the loan amount represents a percentage of a single invoice (up to 80%). Repayment of loan is either bullet or revolving principle - depending on specific features of the transaction to be financed, while maturity varies from 45 days up to maximum of 12 months.

Loans to finance export of goods and services

Every exporter has to have a trusted partner. By the loan for financing export of goods and services, UniCredit Bank provides support to its clients oriented to foreign markets. The loan to finance export of goods and services is a flexible product which will enable you to succeed in cross-border markets. Repayment of loan is either bullet or revolving principle - depending on specific features of the transaction to be financed, while maturity varies from 45 days up to maximum of 12 months.

Syndicated Loans

Syndicated loans are a special type of the financial loan, either short- or long-term, which involves minimum two banks. Every syndication member bank contributes with its own loan portion. For more convenient communication between banks and the client, one of the banks acts as a Syndication Agent.  

The role of the Agent Bank is to collect, place and repay funds to syndication member banks, as well as to coordinate mutual relations and communication to the client.

  • This method makes larger value loans available to clients.
  • Despite of the fact that several banks participate in financing, the client is in contact with only one bank - Agent Bank.

For further details, please contact investment.banking@unicreditgroup.ba

UniCredit Bank d.d. is the leading Agent in B&H market. 

Project Finance

Project finance covers long-term financing of infrastructural and industrial projects, as well as public services. It is broadly present in the private sector.

Project finance is primarily oriented to the project potential itself, i.e. whether the project as such is able to sustain the aggregate investment costs by its own generating of future cash flows, without relying onto the investor's financial strength, assets or other rights, which is treated as secondary collateral.  In order to become subject of project finance, the project has to be economically feasible, able to generate sufficient cash flow to settle operating costs, to ensure return on investment and debt servicing.

For further details, please contact investment.banking@unicreditgroup.ba

Cross Border Plus Credit

The Cross Border Plus Credit is designed for Cross Border customers who want to arrange financing for their subsidiaries in the countries where UniCredit Group is present. The loan is granted by UniCredit Bank to a local subsidiary of a parent company based on a guarantee issued by another member bank of UniCredit Group servicing the parent company. The unique selling proposition for this product is the short and streamlined local credit process and it should be offered in case when there is no sufficient local collateral available or because of the customer's request to extend the loan is a shorter period than standard (accelerated loan application processing). This way, both long- and short-term loans, as well as guarantees may be granted. Loan amount, repayment and maturity depend on client's requirements and specific of the transaction which is subject to be financing.

Umbrella facility

The Umbrella Facility is a credit-guarantee arrangement of Bank Austria Group offered to Austrian corporate clients who seek short-term financing for their subsidiaries in the countries of Central and Eastern Europe (CEE). This product has been introduced in order to enhance business with Austrian multinational companies and their CEE subsidiaries. “Umbrella Facility“ is a sub-product of the network product “Cross Border Plus Credit" which has already been implemented throughout UniCredit Group. The unique selling proposition for this product is the short and streamlined local credit process as well as first-class collateral - Bank Austria guarantee. Through Umbrella Facility, it is possible to grant short-term loans, guarantees and letters of credit, as well as LG and/or LC limits. Loan amount, repayment and maturity depend on client's requirements and specific of the transaction which is subject to be financing.

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