Investment financing

Do you need own operating facilities, new process equipment, reconstruction, upgrade, or are you thinking about any other form of investment?VÚB Banka offers you a short-term or long-term investment loan.


  • Procurement of tangible and intangible fixed assets (real estate, machine, set of machines – process equipment line), their upgrade, reconstruction, maintenance, purchase of know-how, financing of research and other investments
  • Continuous drawdown according to due tax documents (contractors' invoices)
  • Repayment from available resources usually by quarterly or monthly instalments
  • Possible deferral of loan principal repayment after completion of the investment project

Conditions for Loan Granting

  • Acceptable credibility of the business entity in terms of financial statements
  • Demonstrating the ability to repay the loan, including interest and fees within the required maturity and under the terms and conditions agreed in advance
  • Loan purpose – loan for financing specific investments related to the business activity
  • Collateral for loan including interest and fees – all acceptable forms of collateral based on mutual agreement between the bank and the client, including instruments of Lender's law enforceability (such as blank promissory note, notarial deed)
  • Additional conditions depending on the business nature, knowledge and credibility of the entrepreneur

Documents Required

  • Written Request for Loan, including complementary annex tables depending on the amount and type of requested loan and the type of business entity
  • Documents demonstrating the authorization to conduct business activity
  • Financial statements for the latest two completed financial years, and the most recent financial statements in the current year
  • Tax return or income tax return
  • Business plan, investment project
  • Documents to loan collateral
  • Additional documents related to the loan purpose

Interest Rate

The interest rate is floating, calculated as the sum of the base rate for business loans or of the respective EURIBOR, LIBOR or PRIBOR (depending on the interest rate fixation and transaction currency) and business margin. The business margin is determined by the bank individually for each transaction.






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