The lending rate depends on the loan purpose, repayment time, creditworthiness, security instruments, volume of the client's overall business operations with the Bank and the conditions on the market. Financing through transaction account overdraft is also possible.

Depending on the purpose, loans may be repaid over up to 10 or exceptionally 15 years. The amount is determined by the client's creditworthiness and instruments offered to guarantee repayment security.

In order to simplify and accelerate the loan approval procedure, we have prepared a standard loan application form together with a list of required documents, which you can print off from our web site.

The application handling speed hinges on the completeness of documents submitted with it.

Due to strong interest for all types of loan transactions and guarantees, the priority shall be given to the applications by current clients who conduct their kuna and foreign currency payment operations through Hypo Alpe-Adria-Bank. The standard criterion is at least three-months’ business via a transaction account opened at the Bank.

Upon loan approval the Bank charges a one-time processing fee according to the Bank Tariff.

Loans for working capital will be transferred to the company’s transaction account. Specific purpose loans are disbursed in accordance with their purpose (by payment to the seller under a sales agreement, foreign remittances, payments to contractors as per status reports).

Loan repayment dynamics may be adjusted to the planned fund inflow into the client's account.