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  1. Business
  2. Microloan

MICROLOAN

A business loan up to 25nbsp;000 EUR without collateral for various business needs.

Apply

Completely remote

Apply, receive an offer and sign the agreement online.

Fast decision

Receive a decision on whether your loan has been approved within couple of hours.*

Great terms

No need to use your real estate as collateral.

Microloan

  • Borrow from 1000 to 25 000 EUR.
  • Loan period up to 5 years.
  • Fixed annual interest rate from 9%.
  • Agreement fee 2% from the loan amount (up to 150 EUR).
  • No need to use real estate as collateral.
  • After signing the agreement, the money will be in your business account within a few hours.
Apply

Microloan calculator

1000 EUR
25 000 EUR
12 months
60 months
Commission fee*: 300.00 EUR
Interest rate: 9.00%
Total loan amount: 16 764.72 EUR
Monthly payment
686.03 EUR
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.
* There may be an additional commission fee if you have an ALTUM guarantee.
Receive an offer

business.microloan.steps.heading.ee

Step one.

Fill in an application

in Citadele website.
Step two.

Receive an individually-calculated offer

within few hours* by email or on our website under My Applications.
Step three.

Sign an agreement

and the money will be paid into your business account within one business day.
Step one.

Fill in an application

in Citadele website.
Step two.

Receive an individually-calculated offer

within few hours* by email or on our website under My Applications.
Step three.

Sign an agreement

and the money will be paid into your business account within one business day.
Apply

Worth knowing before you apply

To help us prepare a loan offer for your business, you should comply with the following conditions:

  • The business has been operating for at least one year, and you have at least one official annual report.
  • The company’s economic activity is trending upwards.
  • Your existing business activities can cover your current and planned loan obligations.
  • Your business do not have any outstanding loan payments.

* In situations when we need to investigate in greater depth, or the registers cannot be accessed, we may need longer time to process your application and make a decision.