Business Euro Loan

The Business Euro Loan offers fast and flexible credit solutions to help your business grow, even without equity. Whether for working capital, real estate purchase, or social projects, the program provides extensive support.

Business Euro Loan – Flexible Financing Solutions

This program is easily accessible, quick to process, and offers favorable, euro-based loan structures. The two main loan types are available with a seven-year term and an annual interest rate of up to 8.602%, and can be used simultaneously.

Microfinance Loan Product

This product is designed to support micro, small, and medium-sized businesses and can be applied for up to 25,000 EUR.

Eligible Purposes

The loan can be used with minimal restrictions, covering a wide range of purposes, including:

Real estate purchase or construction
Working capital acquisition
Operating costs
Other business activities
Can also be used to supplement equity in other loan programs.

Conditions

Social Business Loan Product

This loan is available for projects that generate a positive and measurable social impact and can be requested up to 500,000 EUR.

Eligible Purposes

For projects that generate a positive social impact, such as: providing affordable housing, student dormitories, hostels, workers' hostels, nursing homes, retirement homes, nurseries, kindergartens, schools, projects for children's camps, projects aimed at child development, community spaces, incubator houses, hospitals or health centers, and other projects capable of generating social impact.

Conditions

The loans can be used for a wide range of purposes, such as working capital acquisition, real estate purchase, investments, operating costs, and other business activities.

Supported and Co-financed program

The program is co-financed by the European Union under the Employment and Social Innovation Program (EaSI) in collaboration with the European Investment Bank (EIB) and the European Investment Fund (EIF).

_{For further information, please visit the websites of the European Commission (https://ec.europa.eu/social/easi, https://ec.europa.eu/social/microfinance, https://ec.europa.eu/social/socialentrepreneurship) or the EIF (https://www.eif.org/what_we_do/microfinance/easi/).}

Microfinance Loan Conditions:

Currency:	Euro
Interest rate (Variable Rate)*:	3-month EURIBOR + Margin
Loan amount:	Up to 25,000 EUR
Repayment method:	Linear monthly principal repayment
Equity required:	0 EUR
Term:	Until December 31, 2031
Grace period (Moratorium):	Until October 30, 2027
Availability period:	Maximum 90 days (latest by September 1, 2025)
Availability fee:	5% of the loan amount per annum
Drawdown fee:	0.5% of the loan amount, minimum 125 EUR per drawdown
Management fee**:	3%
Loan approval fee***:	2% of the loan amount
Contract signing fee:	0 EUR
Contract modification fee:	Up to 1% of the loan amount during the drawdown period (minimum 250 EUR)
Property valuation, notary, lawyer fees:	According to current fees
Bank guarantee/security deposit:	Equivalent to 3 months of repayment
Early repayment fee:	5% of the early repayment amount
Termination fee:	6.9% of the outstanding debt
Late payment interest:	25% per annum
Release statement:	Free of charge for the first time, subsequent requests: 25,000 HUF

_{* Interest margin: 6,35% per year}_{Interest margin discount: Up to 1% per year. The discount is available only to clients who fully comply with the terms during the entire loan term. The conditions for obtaining the discounted interest margin are included in the loan agreement.

**Loan assessment full fee: 2% of the loan amount, with a 1% discount available under specific conditions.

***The basis for calculating the handling fee is the principal amount outstanding on the first day of each transaction year, payable in equal monthly installments.}

Currency:	Euro
Interest Rate (Variable Rate)*:	3-month EURIBOR + Margin
Loan Amount:	Up to 500,000 EUR
Repayment Method:	Linear monthly principal repayment
Equity Required:	0 EUR
Term:	Until December 31, 2031
Grace Period (Moratorium):	Until October 30, 2027
Availability period:	Maximum 90 days (latest by September 1, 2025)
Availability fee:	5% of the loan amount per annum
Drawdown Fee:	0.5% of the loan amount, minimum 125 EUR per drawdown
Management Fee**:	3%
Loan Approval Fee***:	2% of the loan amount
Contract Signing Fee:	0 EUR
Contract Modification Fee:	Up to 1% of the loan amount during the drawdown period (minimum 250 EUR)
Property Valuation, Notary, Lawyer Fees:	According to current fees
Bank Guarantee/Security Deposit:	Equivalent to 3 months of repayment
Early Repayment Fee:	5% of the early repayment amount
Termination Fee:	6.9% of the outstanding debt
Late Payment Interest:	25% per annum
Release Statement:	Free of charge for the first time, subsequent requests: 25,000 HUF

_{* Interest Margin: 6.35% per year

Interest Margin Discount: Up to 1% per year. The discount is available only to clients who fully comply with the terms during the entire loan term. The conditions for obtaining the discounted interest margin are included in the loan agreement.

**Loan Assessment Full Fee: 2% of the loan amount, with a 1% discount available under specific conditions.

***The basis for calculating the handling fee is the principal amount outstanding on the first day of each transaction year, payable in equal monthly installments.}

Why choose the Business Euro Loan?

Flexible. Can be used widely for various business needs.
Available Early-Stage. Can be requested even for start-up businesses.
Adaptable. Available to businesses that may not qualify for commercial bank loans (e.g., foreign-owned companies).
Favorable. Competitive fee structure, simplified loan application process, and fast approval.

Who can apply for the Microfinance Loan?

Micro, small, and medium-sized businesses registered in Hungary
Sole proprietors
No need for a full completed business year

Who can apply for the Social Business Loan?

Social enterprises registered in Hungary
Enterprises with a turnover or balance sheet total below 30 million EUR in the last completed financial year
Enterprises that use their revenue to achieve predefined social impact goals
No specific corporate form required
No need for a full completed business year

How to apply?

Fill out the application form below. Our team will call you within one business day.
You can clarify any questions about the application with our colleagues.
Once the pre-assessment is done, you will be guided through the next steps.
Send the necessary unofficial documents via email for the pre-assessment and official documents when meeting in person.

_{The information provided on this website is not exhaustive, is for informational purposes only, and does not constitute an offer. For detailed information, please refer to the product documentation or contact our colleagues.}

Up to 500,000 EUR
Flexible use
Can be used for real estate purposes as well

The Business Euro Loan offers fast and flexible credit solutions to help your business grow, even without equity. Whether for working capital, real estate purchase, or social projects, the program provides extensive support.