Loans for business

Get inspired
to move forward and grow:
choose a loan that fits your business goals
Send application

Loans for business

Get inspired
to move forward and grow:
choose a loan that fits your business goals
Send application

Long-term loans for working capital

Purpose
  • Financing of working capital
  • Financing of current assets
  • Export financing
  • Refinancing of liabilities and loans with other banks*
  • Other purposes

The long-term working capital loans are adjusted to fit the needs of clients in need of greater help with their current obligations so as to finance the long-term needs of the company, i.e. the financing of the so called working capital of a company, financing of long-term business deals as well as obtaining additional space for accumulation of own liquid assets. The required securities are in the form of solid collateral such as mortgage of higher/lower order, collateral on equipment, commodities (per value and economic life-time acceptable for the Bank), receivables (collateral on contracts, invoices of trustees acceptable for the Bank)

Currency
  • Dinars (no currency clause)
  • Dinars with a currency clause
  • Foreign currency loan (EUR, USD, RUB)**
Period
  • From 13 to 36 months
  • Up to 24 months for dinars (excluding currency clause)
Grace period
  • Up to 12 months

Short-term loans for working capital

Purpose
  • Financing of recurring requirements for working capital
  • Financing of current assets

The short-term financing is adjusted to fit the current needs and provides an opportunity to expand the scope of operations and profits with increased stability of cash flow and solvency. The loan eligibility requirements are minimum 1 year of operations (full fiscal year) coupled with positive business results and net score. The credit worthiness has to be acceptable for the Bank.

Currency
  • Dinars (no currency clause)
  • Dinars with a currency clause
  • Foreign currency loan (EUR, USD, RUB)**
Period
  • Up to 12 months
  • Up to 12 months for dinars (excluding currency clause)
Grace period
  • Up to 6 months

Revolving lines of credit - revolving loans

Purpose
  • Financing of recurring requirements for working capital
  • Financing of current assets

Currency
  • Dinars (no currency clause)
  • Dinars with a currency clause
  • Foreign currency loan (EUR, USD, RUB)**
Period
  • Up to 24 months

Investment loans

Investment goal
  • Purchase of equipment, machinery, and vehicles
  • Purchase, construction of a business space for your own use
  • Refinancing of liabilities and loans with other banks *
  • Refinancing of own investments

The long-term financing for investments is intended for clients that wish to purchase equipment, renovate/construct/buy commercial space, refinance long term liabilities under more favourable conditions, for refinancing own investments (funds which are invested into last three years). The client’s share depends on the purpose of the loan and its feasibility and flexibility in regards to approval of grace period on borrowed assets. API Bank follows its clients’ needs and adjusts its lending requirements to the economic feasibility of the investments.

Currency
  • Dinars with a currency clause
  • Foreign currency loan (EUR, USD, RUB)**
Period
  • Up to 60 months
  • No grace period for purchase of a vehicle
  • Up to 6 months for purchase of equipment and machines, purchase of office space
Grace period
  • Up to 12 months for construction of a business space

Line of credit

Purpose
  • Use of various products:
  • Loans
  • Letters of credit
  • Guarantees
  • Business credit cards
  • Discounted bill of exchange
  • Overdraft loans
  • Factoring

Currency
  • Dinars (no currency clause)
  • Dinars with a currency clause
  • Foreign currency loan (EUR, USD, RUB)*
Deadline
  • Up to 36 months
Payment
  • One-time payments, in tranches to the client’s account at API Bank

Loans covered with 100% deposit

Purpose
  • Financing of working capital
  • Financing of current assets
  • Export financing
  • Refinancing of liabilities and loans with other banks*
  • Other purposes

Currency
  • Dinars (no currency clause)
  • Dinars with a currency clause
  • Foreign currency*
Period
  • According to customer request
Grace period
  • According to customer needs
Payment
  • One-time payments, in tranches to the client’s account at API bank

Overdraft loans

Purpose
  • Financing of working capital
  • Financing of current assets

Currency
  • Dinars (no currency clause)
Period
  • Up to 12 months

Discounted bill of exchange

Benefits
  • Avoid the Need to Incur Debt
  • Improve Cash Flow Position
  • Help Businesses to Sell Goods on Credit
  • Access Funds Quickly

Currency
  • Dinars (no currency clause)
Period
  • Up to 90 months
API Bank places special focus on financing and loans for agricultural production and trade with the Russian Federation (import/export with Russian Federation). We offer working capital loans which have a withdrawal method and repayment dynamic that follow the cycle from the initial procurement until the final sale. Aside from acceptable credit worthiness, the requirement for this type of loan is to have entire transfers and payments executed through API Bank. In this regard, API Bank has also provided benefits for its clients as it allows them to buy and sell Russian rubles without commission.