• 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 MCC 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 SizeUp to 4.000 BAMfrom 4.001 BAM
    to 10.000 BAM
    Max. repayment period
    42 months66 months
    NIR21,00%18,00%
    EIR FBiH/DB*from 24,93%from 20,67%
    EIR RS24,91%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 EIR between the Federation of BiH/Brčko District and the Republic of Srpska arises from different legal regulations. The calculation of EIR, in addition to the above costs, includes the cost of the Bill of Exchange (except for loans up to/and 3,000 BAM with a repayment period of up to/and 12 months, which are approved without a Bill of Exchange), cost of verification of documents and the cost of intercalary interest, if it is calculated.
    * The effective interest rate (EIR) is shown through an example without calculating the cost of verification of mandatory documents for loan approval. In case of verification of mandatory or additional documents by the competent state body in the Federation of BiH/Brčko District of BiH and Republic of Srpska, the costs of verification will be included in the calculation of EIR in the manner regulated by the decisions of the Banking Agency.

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

    Type of LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB*EIR RS
    Small Business
    10.000 BAM66 months18,00%2,00%from 20,67%20,66%

    Table with an overview of monthly installments

    Small Business Loans

    Loan Size (BAM)
    Repayment Period / months
    122436424860
    1.000935138
    3.000279154113
    4.000372206151135
    5.000458250181161147127
    10.000917499362323294254

    By using the Loan Calculator, you can get approximate information regarding the size of monthly installments, the repayment plan and the total debt for the loan you are interested in.

    Note: The data on installments and EIR are of informational character and serve the purpose of general information, while it may differ from the official EKI terms at the time of loan application. Please contact your nearest EKI office for detailed information

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