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  2. Microloan

MICROLOAN

A business loan up to 25 000 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 real estate collateral is needed. A guarantee agreement may be required.
  • After signing the agreement, the money will be in your business account within a few hours.
Apply

Microloan calculator

Value must be greater than 1000 Value must be less than 25000
1000 EUR
25 000 EUR
Value must be greater than 12 Value must be less than 60
12 months
60 months
Commission fee: 150.00 EUR
Interest rate: 9.00%
Total loan amount: 16 614.72 EUR
Monthly payment
686.03 EUR
Receive an offer

Our partner’s offer: Financing for the retail sector

Businesses that use or plan to use Citadele's payment solutions – POS terminals or the Klix by Citadele e-commerce payment solution may submit an application for financing provided by Softloans.

  • Financing for business from 1000 EUR to 100 000 EUR based on the company's revenue.
  • Repayment adapts to your sales volume. Repayment consists of a fixed percentage of sales revenue and is automatically deducted from each transaction. If sales decrease, so do your payments.
  • One-time fee, no interest. Only a single service fee applies, which is deducted from the financing amount.
  • No collateral. Any additional requirements are determined solely by Softloans.
  • Offer within one business day. Softloans aims to provide an offer within one business day.
Apply

* Financing services are provided by Citadele's partner Softloans UAB. If you accept the offer, you will enter into an agreement directly with Softloans, and Softloans or the respective lender (their partner) will assess your application and make the financing decision. Citadele acts only as a referral partner and does not assess or provide financing. If you are not yet a Citadele customer, you can apply for a business account and our solutions, including a POS terminal or e-commerce payment solution so you can take advantage of this offer.

How to receive a microloan?

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.