Business loan: Supporting your business

It is important for us to invest in the development of our business and create a basis for its sustainability. We must be careful when we have such projects; we don't have a lack of capital that allows us to grow.

Term loans for working capital

Term loans for working capital are term loans that are used to finance a client’s current invoices for working capital needs but that comply with the terms of the client's investments in capital expenditures (CAPEX). This product supports the client's liquidity position by extending the repayment term for working capital for the client's previous proven capital investments. Therefore, the term of the product is medium- to long-term.

Credit line for working capital

Working capital financing is a short-term loan that is used to finance the current business activities of corporate clients, e.g., purchases, based on the supplier's discount, strengthening the customer's liquidity. Repayment of working capital financing is usually made from the company's sales profits. This product can be offered through a group of lenders (trade unions).

Overdraft product

Within the framework of an agreed loan limit, the customer determines the use of the overdraft product, depending on his/her needs. The interest rate determined individually applies only to the actual amount of the loan used. Usually, an overdraft product is combined with a checking account. In general, it has a maturity period of up to one year, after which it is usually extended. The line is used on a revolving/recurring basis, i.e., repayment is made either at the end or with a step-by-step reduction of the line over time.

Business loans

Investment financing is a medium-term and long-term loan for financing the production or purchase of capital assets, such as machinery, equipment, etc., as well as for financing large amounts determined for investments or business expansion.

Loan secured by cash

This type of loan is offered to clients who are ready to be financed based on their funds deposited in RBKO. Clients can be financed up to the deposited amount. Deposited money can be in EUR or USD.

Commercial mortgage loans

Commercial mortgage loans: loans for NV clients secured by real estate that are used for business purposes (capital investments—purchase, renovation, expansion, construction of business premises).

Apply online for Loan

The online application takes only a few minutes of your time. After completing the form presented, you will be contacted by our team regarding the process.

Information marked with * is required.

Business number

Name

Surname

Phone number

Consent for CRK

Terms and conditions

By selecting the "Consent for CRK" button I expressly agree and in accordance with the Law on Personal Data Protection and Article 7.2 of the CBK Regulation on Credit Registration I give consent to Raiffeisen Bank Kosovo J.S.C based in Rr. Robert Doll no.99, Prishtina, with business registration number 70025959, for the purposes of processing, concluding, maintaining and amending the loan agreement to process and use my personal data, as well as to have access to reports of my loans in the Credit Registry. I give this consent electronically on the basis of free will and mutual interest and I will not deny it on any legal or factual basis. I am aware that giving this consent does not prejudge a positive response or imply the conclusion of the loan agreement.

Consent

Terms and conditions

By pressing/clicking the "Continue" button, I explicitly agree and give my consent to the Bank, in accordance with Law No. 06/L-082 on Personal Data Protection...

By pressing/clicking the "Continue" button, I explicitly agree and give my consent to the Bank, in accordance with Law No. 06/L-082 on Personal Data Protection and the European Union Regulation 2016/679 (GDPR), to process my personal data mentioned above as well as any data that may become known later, to be exchanged and used by Raiffeisen Bank, members of the Raiffeisen Banking Group and companies contracted by Raiffeisen Bank, to process the submitted application and to contact me in writing, by telephone and/or via electronic mail at the address indicated above, in order to send me appropriate and personalized offers1 through the profiling process and/or notifications related to the products and services offered.
* I confirm that I am aware that I am not obliged to give my consent for direct marketing/profiling and I am aware that at any time I have the right to withdraw this consent and in that case my data will not be used for the above-mentioned purpose. I confirm that all the information provided above is true, complete and accurate, and I declare that I have voluntarily made my personal data available to the Bank.1Individual offers are designed specifically for you based on an understanding of your economic needs through a process called profiling. Profiling involves automated analysis of your personal data and other information. Based on such processing, we reach conclusions regarding your economic or financial needs, your financial responsibility and other characteristics that we analyze when creating such offers.

Why Raiffeisen Bank?

There are many reasons why Raiffeisen Bank is the right partner when choosing a credit card. These are the main advantages:

130 years of banking tradition

Raiffeisen Bank in Kosovo is part of Raiffeisen Bank International, carrying the same values as the parent company. Raiffeisen stands for security and stability.

The largest bank in Kosovo

Raiffeisen Bank is the biggest bank in Kosovo, based on all financial indicators. This is the result of the continuous trust of our clients and our commitment to providing the best services.

Innovation and support

We rely on continuous innovation to provide you with an easy and stress-free banking experience. With the largest branch network and advanced digital platforms, we are with you 24/7.

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