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COSME loan

Loans with an EIF guarantee

Based on the Agreement signed by Banca Intesa with the European Investment Fund (EIF), dated 8/ 12/ 2016, we have incorporated Working Capital Loans into the offer – COSME.

The essence of the new product is that each individual investment placed within the given program will be covered by the EIF guarantee in the amount of 50% of loan.

In this way, the clients are enabled to withdraw working capital loans for a period that is longer than usual and without solid security assets (mortgages, pledges).

Loan characteristics

  • Clients who may use the product: Resident clients whose seat address is on the territory on which the Republic of Serbia has full state interference and for which a Credit Bureau Report can be obtained through the Association of Serbian Banks, and which have been in business for at least 15 months and have creditworthiness for using the loan;
  • Client segment: Existing and new clients of the Bank, entrepreneurs and legal entities belonging to the segment of small and medium-sized enterprises;
  • Period for which the loan is approved: 30 to 36 months;
  • Grace period: 36 months;
  • Maximum amount of individual loan: EUR 10,000-150,000;
  • Amount of deposit / Participation: Without the obligation of participation;
  • Currency in which the loan is approved and type of exchange rate: EUR in dinar equivalent – calculation is done at the official middle exchange rate of the National Bank of Serbia on the date of loan disbursement;
  • Purpose of the loan: For procurement of working capital;
  • Loan disbursement method: By transfer to the account of the loan beneficiary or the account of the Seller / Service Provider;
  • Loan repayment method: In equal monthly instalments in dinar equivalent by applying the official middle exchange rate of the National Bank of Serbia on the instalment repayment date;
  • Minimum security instruments: eight (8) blank promissory notes signed and certified by the beneficiary with authorizations for use.


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