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  2. Microloan

Microloan

Microloan for business from 1000 to 100 000 EUR to support various business needs and help to ensure smooth operations.

Receive an offer Get consultation

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

Loans for companies without collateral – flexible financing tailored to business needs.


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 – from 9%.
  • 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 – from 9%.
  • 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 limit of up to 30% of the company’s average monthly turnover over the past 12 months.
  • Financing amount – from 5 000 EUR to 150 000 EUR.
  • The limit automatically adjusts to the company’s actual account turnover.
  • Competitive variable interest rate starting from 5.5% per year + EURIBOR.
  • Financing available for 12 months with the option to extend.
  • No real estate collateral required.
  • Funds in the account within a few hours after signing the agreement.
Apply
A woman takes a photo of her ceramic dish.

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 – from 12%.
  • 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.

Our Partner’s Offer: Financing for the retail sector 

Businesses that use or plan to use Citadele's payment solutions – POS terminals, i.EKA solutions or the Klix by Citadele e-commerce payment solution may submit an application for financing provided by Softloans. 

  • Financing for business from 1 000 EUR to 100 000 EUR based on the company's revenue. 
  • Repayment adapts to your sales volume. Repayment consists of a fixed percentage of sales revenue and is automatically deducted from each transaction. If sales decrease, so do your payments. 
  • One-time fee, no interest. Only a single service fee applies, which is deducted from the financing amount. 
  • No collateral. Any additional requirements are determined solely by Softloans.
  • Offer within one business day. Softloans aims to provide an offer within one business day. 
Apply 

Financing services are provided by Citadele's partner Softloans. If you accept the offer, you will enter into an agreement directly with Softloans, and Softloans or the respective lender (their partner) will assess your application and make the financing decision. Citadele acts only as a referral partner and does not assess or provide financing.
If you are not yet a Citadele customer, you can apply for a business account and our solutions, including a POS terminal, i.EKA solutions or e-commerce payment solution so you can take advantage of this offer. 

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.

Get microloan remotely

Quick loan for business – fill out an application for a business loan and receive an offer remotely within 1 business day without even visiting the bank.

Apply

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