Advantages
With BusinessÚverTB Expres you now get:
- 100% discount on the business account charge with Tatra BusinessTB or Tatra BusinessTB Premium service package for the period of 12 months. More about this offer is available here.
BusinessLoanTB Expres allows you:
- Use financial means for both short-term and long-term investment requirements without the need to prove the purpose of its use
- Fund purchasing machinery, equipment, stock and other investment needs
- Cover the period of waiting for remittance of consumers
With BusinessLoanTB Expres you select:
- Form of loan provision (overdraft/instalment)
- Period of loan provision
- Insurance of key person which allow you safely repay your loan
BusinessLoanTB Expres is processed easily:
- Without unnecessary documents with loan application and utilisation of financial means
- Loan is approved within 24 hours after completed application is submitted
- Security Agreement is sufficient in cases without material security
- Comprehensive consultation services provided by specialised business advisors at branches
*Public promise 1.4.2018 [PDF, 110 kB]
Detaily
BusinessLoanTB Expres is intended for:
- sole traders and entrepreneurs with a minimum 24-month business history
- both bank's clients and non-clients
Loan basic parameters:
Minimum loan amount:
- EUR 3,500
Maximum loan amount:
- EUR 135,000
The form of provided loan:
- overdraft
- instalment
Loan maturity period:
- overdraft loan: 1 year with assessment
- instalment: 1 to 5 years
The option of early repayment:
- yes
- with an overdraft loan once a year free of charge as at the provision anniversary
Interest rates
Loan repayment:
Overdraft loan:
- interest is debited on the last business day of the month by automatic collection from the applicant's current account and the interest is only applied on the drawn amount for the actual days of drawing
- principal is due on the loan maturity date
Instalment loan:
Interest + principal:
- debited on the last business day of the month by automatic collection from the applicant's current account
- in two separate payments (principal and interest instalment) and owing to linear repayment the loan instalment is reduced every month
Conditions
Who can apply for BusinessLoanTB Expres:
- Limited liability companies and joint stock companies registered with the Commercial Register
of the SR - Persons running business under trade licence, recorded in the Trade Register of the SR
- Persons running business under other than trade license under separate regulations, not recorded
in the Commercial Register of the SR or the Trade Register of the SR - Association of individuals
Basic conditions for loan provision:
- Applicant ´s business activities last at least 24 months without any change in legal form and type
of accounting - Applicant runs business in branches accepted by the bank
- Applicant is able to submit financial documents with closed accounting period for 2 previously closed accounting periods or the latest statements in the regular year
Documents required for loan application assessment:
- Unauthenticated financial statements for two preceding closed accounting periods or the latest statements in the regular year
- Completed Tatra banka inquiry with additional information regarding loan application
Loan security
The only security for BusinessLoanTB Expres is:
- security agreement
Loan insurance
No need to worry. At Tatra banka you can easily get the BusinessLoanTB Express:
- key person insurance,
and you will have no troubles repaying the loan.
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