Microloan

A loan from 1000 to 25 000 EUR for the various needs of your business.

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Completely remote

Apply, receive an offer and sign the agreement online.

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Fast decision

Receive a loan offer within 1 business day.

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Great terms

No need to use your real estate as collateral.

What is a microloan?

The loan is intended to help your business run successfully - for long or short term investments and working capital. Suitable for small and medium businesses who have been in operation for at least one year.

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Both current Citadele customers and those who bank elsewhere can apply for the loan

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You can become a customer remotely within 20 minutes

Types of microloans


  • Loan from 1 000 to 25 000 EUR, depending on turnover.
  • Repayment schedule of up to 5 years.
  • Interest rate from 9% per year.
  • Commission 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.
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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.
  • Fixed interest rate from 12% per year.
  • Interest is payable only on the amount spent and the time it is owed.
  • 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.
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Microloan for business

  • Loan from 1 000 to 25 000 EUR, depending on turnover.
  • Repayment schedule of up to 5 years.
  • Interest rate from 9 % per year.
  • Commission 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.
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How to apply

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Fill in an application

on our website even if you are not yet a Citadele customer.
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Receive an individually-prepared

loan offer within 1 business day by email or on our website under My Applications.
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Sign an agreement

and use the loan funds on the same day.
icon

Fill in an application

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

Receive an individually-prepared

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

Sign an agreement

and use the loan funds on the same day.

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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More opportunities

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Payment plans

One payment for all the most important everyday services for your business.
Learn more
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Payment acceptance

Various solutions for accepting payments in retail locations and online.
Learn more
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Financing for business

Choose the most suitable financing method for your business needs and growth.
Learn more
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C Business card

A card with travel insurance and purchase protection included.
Learn more