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  1. Business
  2. Microloan

Microloan

Loans to support various business needs and help to ensure smooth operations.

Special offer! Microloan for business from 1000 to 100 000 EUR at a fixed 7% annual interest rate. Offer valid until the 15th of September 2025.

Special offer!
Receive an offer

Completely remote

Apply, receive an offer and sign the agreement online.

Fast decision

Receive a loan offer within 1 business day.

Great terms

No need to use real estate as collateral.

Types of microloans


Loan with the "Portfolio Guarantee 3" measure, which is financed by state funds.

  • Loan from 20 000 to 100 000 EUR, depending on turnover.
  • Repayment schedule from 2 to 5 years.
  • Annual interest rate – 9%. Special offer is available until 15.09.2025 – a fixed annual interest rate of 7%.
  • New microloan processing fee – 2% of the loan amount.
  • No need to pledge assets – get a loan with a personal guarantee of shareholder.
  • Receive a loan offer within 1 business day.
Receive an offer
A woman is working in her ceramics workshop.
  • Loan from 1 000 to 25 000 EUR, depending on turnover.
  • Repayment schedule of up to 5 years.
  • Annual interest rate – 9%. Special offer is available until 15.09.2025 – a fixed annual interest rate of 7%.
  • New microloan processing fee – 2% of the loan amount.
  • No need to pledge assets – get a loan with a personal guarantee of shareholder.
  • Receive a loan offer within 1 business day.
Receive an offer
A woman is showcasing the cakes baked in her bakery.

The loan is attached to your business payment card as a credit limit to be used as necessary.

  • Borrow from 1 000 to 25 000 EUR, depending on turnover.
  • Available for one year with the option of extending the term.
  • Annual interest rate – 12%. Special offer is available until 15.09.2025 – a fixed annual interest rate of 7%.
  • Administration fee – 2% of credit limit amount.
  • Minimum monthly instalment: 5% of used credit amount.
  • No need to pledge assets – get a loan with a personal guarantee of shareholder.
  • After signing the agreement, the credit limit is set to the account linked to the payment card within a few hours if the company already has a C Business Card or X Business Card.
Receive an offer
A woman takes a photo of her ceramic dish.

How to apply

Step one.

Fill in an application

on our website even if you are not yet a Citadele customer.
Step two.

Receive an individually-prepared

loan offer within 1 business day by email or on our website under My Applications.
Step three.

Sign an agreement

and use the loan funds on the same day.
Step one.

Fill in an application

on our website even if you are not yet a Citadele customer.
Step two.

Receive an individually-prepared

loan offer within 1 business day by email or on our website under My Applications.
Step three.

Sign an agreement

and use the loan funds on the same day.
Receive an offer Become a customer

Worth knowing before you apply

To help us prepare a loan offer for your business, you should comply with the following conditions:

  • The business has been operating for at least one year, and you have at least one official annual report submitted to VĮ Registrų centras.
  • The company’s economic activity is trending upwards.
  • Your existing business activities can cover your current and planned loan obligations.
  • Your business do not have any outstanding loan payments.

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