About Micro Loans
A small loan that can be easily obtained and issued to an enterprise that does not employ more than 10 employees, with the possibility to apply for a loan before the establishment of an enterprise.
The maximum amount of the loan is EUR 24,300 for investments and up to EUR 7,200 for current assets.
The loan has a fixed annual interest rate of 5% to 8%.
The loan repayment period is 5 years.
To guarantee the loan the business owner has to invest at least 10% in projects whose total amount exceeds EUR 7,200.
A private guarantee provided by the business owner, is necessary to receive a loan.
Collateral value must be from the 74% of the loan amount.
It is possible to receive several loans within the framework of the programme, but not more than one loan during one calendar year.
The aim of micro loans is to start or develop small businesses for micro entrepreneurs and business start-ups.
Aid is provided as de minimis aid in line with the Commission Regulation (EU) No. 1407/2013 of 18 December 2013 and the Commission Regulation (EU) No. 1408/2013 of 18 December 2013.
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