Veneto banka d.d. approves loans of various purposes and maturities, depending on client needs. Interest rate depends on purpose, solvency, provided collateral, payment period and the client-s business relationship with the Bank.

Types of Loans

  • Short-term loans
    Short-term loans up to one year may be Kuna or Kuna with foreign currency clause. The purpose of the loan is financing current needs and maintaining short/term liquidity.
    Priority businesses that we credit are production and export.
    Method of using credit- at once, or successively, at client-s request
    Method of return- at once, or in equal monthly instalments
  • Long-term loans
    Long-term loans linger than one year may be in Kuna or in Kuna with foreign currency clause. The purpose is financing company development and long-term investments, financing investment projects.
    Priority businesses that we credit are production and export.
    Method of using credit- at once, or successively, at client-s request
    Method of return- at once, quarterly or in equal monthly instalments
  • Framework loans
    Framework loans for more frequent approvals of short-term loans, letters of credit and guarantees

Additional options

The Bank also offers loans which are approved in line with special programmes developed in cooperation with:

  • HBOR (Croatian Bank for Reconstruction and Development)
  • Ministry of Economy, Labour and Entrepreneurship
  • Ministry of Maritime Affairs, Transport and Infrastructure
  • Fund for development and employment
  • HAMAG (Croatian Agency for Small Entrepreneurship) credits from abroad which are realised based on the bank-s cooperation with foreign banks.

Guarantees

The Bank quickly and simply issues guarantees in HRK and foreign currencies

Types of guarantees

  • Bid bond -  guarantee with public bid
  •  Performance bond- serves as collateral of performing agreed obligations (with return of advance, for job well done, for eliminating shortcomings in warranty time) 
  •  Payment guarantee – guarantee for neat payment of suppliers, customs guarantee

International Transactions

  • letters of credit
  • foreign currency transfers