• Small Business Loans

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    Small Business Loans are designed for entrepreneurs who have small businesses, or who wish to start-up their own business, as well as for those who wish to improve or expand their existing business. The EKI Loan for Small Business will help you improve your business in the simplest way.

    • Loan size from 300 to 10.000 BAM
    • Repayment period of up to 66 months
    • Grace period of max. 6 months
    • Loan processing fee 2,00%
    • The MCF EKI disburses/approves loans in BAM currency as indexed in EUR per the average exchange rate of the BiH Central Bank on the day of Loan Agreement
    • Nominal Interest Rate (NIR) is fixed and calculated on annual level, while its value depends on the loan size and ranges from 18,00% to 21,00% as laid out in the table below:
    Loan Size Up to 4.000 BAM from 4.001 BAM
    to 10.000 BAM
    Max. repayment period
    42 months 66 months
    NIR 21,00% 18,00%
    EIR FBiH/DB* from 24,93% from 20,67%
    EIR RS 24,91% 20,66%

    The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.

    The difference in the calculation of the Effective Interest Rate (EIR) in the Federation of Bosnia and Herzegovina/Brčko District and Republic of Srpska is based on different legal regulations. In addition to the aforementioned costs, the EIR calculation includes the cost of the bill of exchange, legal verification of documents (only in the Federation of BiH/Brčko District) and intercalary interest rate, if calculated.
    * The EIR in the Federation of BiH/Brčko District is presented in an example of calculation of the mandatory documentation for individuals, legally verified at prices valid in Brčko District. The EIR is modified in accordance with additional documentation that may be a precondition for approval of each individual loan.

    Example of calculation of the Effective Interest rate (EIR):

    Type of Loan Loan Size Repayment Period NIR Loan Processing Fee EIR FBiH/DB* EIR RS
    Small Business
    10.000 BAM 66 months 18,00% 2,00% from 20,67% 20,66%

    Table with an overview of monthly installments

    Small Business Loans

    Loan Size (BAM)
    Repayment Period / months
    12 24 36 42 48 60
    1.000  93  51  38
    3.000  279  154  113
    4.000  372  206  151  135
    5.000  458  250  181  161  147  127
    10.000  917  499  362  323  294  254

    Koristeći kreditni kalkulator možete dobiti okvirne informacije o iznosu mjesečne rate, otplatnom planu i ukupnom zaduženju za kredit koji vas zanima. Napomena: Podaci su informativnog karaktera, služe u svrhu opšteg informisanja i mogu se razlikovati od zvaničnih EKI uslova u trenutku podnošenja zahtjeva. Molimo vas da se za sve detaljne informacije obratite vama najbližoj EKI kancelariji.

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