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Long-term Loans

Long-term loan is a financial product aimed at providing financial support to companies for the period longer than 12 months. The amount of interest rate and fee for all forms of financing is defined by Bank's competent bodies based by determined tariff of fees, and in accordance with the client's creditworthiness, contribution in Bank's incomes, collaterals and previous experiences of working with clients.

In terms of long-term financing, we would like to point out the following loans:

  • For financing development of company,
  • For long-term investments,
  • For implementing investment projects,
  • For purchasing primary assets,
  • For financing permanent working capital,
  • Lending loans for export production,
  • For financing building the housing and business premises that will be sold in the market,
  • For project financing.

Loan application

For more information, please contact us at the following e-mail

Funding source:

European Investment Bank (EiB)

Eligible beneficiaries:  

Credit line will be used for financing projects of legal entities carrying out their businesses for at least two years, being registered in Bosnia and Herzegovina and meeting the following conditions:

  • Small and Medium Enterprises with less than 250 employees;
  • Mid-cap enterprises with minimum 250 employees and less than 3000 employees on consolidated basis;
  • Final beneficiaries of any size: private sector companies employing more than 3000 employees (non-SMEs and non-Mid-Cap companies) or institutions and companies from public sector of any size

Purpose of funding: 

  • Purchasing, renovation or expansion of tangible assets
  • Investments in intangible assets:
    • Cost of investments in intangible assets (development, planning and funding of project cost through the construction phase, the cost of research and development, development of distribution networks in domestic or other markets within the EU)
  • Mid and long-term investments for purchasing working capital

Funding amount: 

  • The amount of an EIB allocation may reach up to 100% of the loan granted by the intermediary to small and medium enterprises, but may not exceed EUR 12.5 million (or other currency equivalent);
  • The amount of an EIB allocation may reach up to 50% of project cost for any other type of final beneficiary, but may not exceed EUR 12.5 million (or other currency equivalent);


  • 2 -15 years, depending on type of final beneficiary and project in question

Benefits of long term funding

Thanks to the participation of the EIB, our bank may offer more favorable interest rates than the commercial ones

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