Loans for Entrepreneurs
Flexible loans for entrepreneurs with a simple procedure and favorable conditions. Ideal for entrepreneurs in all sectors!
We Find the Best Loan for Your Business
Kredium – your partner in development, with transparent conditions and fast processing!
Our team of experts is here to help you secure a loan with the best terms, regardless of your business type. Whether you need financial support for equipment upgrades, business expansion, or investment in development, we carefully compare bank offers to ensure the best interest rates, flexible repayment terms, and optimal conditions for your loan.
Entrepreneur Loan Calculator
Calculate your monthly installment and total repayment amount! Our calculator helps you better plan your finances and choose the most favorable loan plan. Enter the desired loan amount, select the appropriate interest rate, and choose the repayment period in months.
Cash Loan Calculator
Calculate the monthly installment for a cash loan.
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Mortgage
Calculate the monthly installment for a mortgage.
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Loan for Flat-Rate Taxpayers
A loan for flat-rate taxpayers is a special type of financial support designed for entrepreneurs operating under the flat-rate taxation system. This loan allows flat-rate taxpayers to secure favorable financing terms based on their income and tax resolution, covering both personal and business needs. It is ideal for those seeking flexibility in fund usage, whether for business improvement, covering expenses, or investing in personal projects:
Who Can Be a Flat-Rate Taxpayer?
Entrepreneurs (individuals)
Engaged in various activities with lower income volumes
Freelancers
Lawyers, notaries, consultants, designers, journalists, and other self-employed professionals
Creative Profession
Artists, musicians, writers, etc.
IT Entrepreneurs
Programmers, web designers, and other IT service providers
Trade Entrepreneurs
Retailers, distributors, e-commerce entrepreneurs
Service Entrepreneurs
Hairdressers, beauticians, electricians, plumbers, repair technicians, and other technical service providers
Conditions and Documentation for Loans for Flat-Rate Taxpayers
- Conditions
- The business must be operational for at least six months (contract with a company that has existed for at least 24 months)
- If the entrepreneur has been operating for less than 12 months, proof of previous work experience is required (collaboration contracts, employment contracts, bank statements)
- The contract can be fixed-term or indefinite (for fixed-term contracts, the loan repayment period must align with the contract duration, with the last installment before contract expiration)
- Income from the contract can be monthly, quarterly, semi-annual, or annual and is converted into a monthly income
- An open business account for payments / a personal account for fund transfers
- Financial reports for the last two (exceptionally one) fiscal periods
- No credit debt recorded in the credit bureau
- The business must be managed solely by the owner
- Documentation
- Contracts (collaboration, employment, and other relevant agreements)
- Bank statement (for the required period)
- Income documentation (income certificates or reports)
- Proof of business existence (registered business, tax ID, etc.)
Subsidized Loans for Entrepreneurs
Loans for legal entities and cooperatives are approved with a repayment period of up to 8 years, including a grace period of up to one year.
The interest rate is 1.5% annually with a business bank guarantee or 2.5% in other cases. To apply, the required documentation, business plan, and relevant statements must be submitted following the guidelines on the Development Fund of the Republic of Serbia website.
Required Documentation for Legal Entities and Cooperatives:
- Completed application form
- Basic client information
- Business plan (not older than six months)
- Decision by the competent body approving the business plan
- Applicant’s statement on related entities (with financial reports for related entities for the past two years, if applicable)
- KYC questionnaire – completed form
- Declaration for identifying officials – completed form
- Ownership structure statement – completed form
- ESG questionnaire – completed form
Grants for Young Entrepreneurs
Grants for young entrepreneurs provide government financial support for starting or developing a business, with no repayment obligation, provided the funds are used for their intended purpose.
These grants are awarded with support from the government, local authorities, development agencies, and international organizations, promoting young entrepreneurs at the start of their businesses and contributing to local economic growth and job creation.
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Purpose: Business start-up, equipment purchase, training, business expansion
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Criteria: Young individuals (up to 30-35 years old), a solid business plan, registered business
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Amount: From RSD 300,000 to several million, often requiring co-financing (20-30%)
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Application: Monitoring calls (ministries, local authorities, development agencies) and preparing documentation
Loans for Young Entrepreneurs
Loans for young entrepreneurs are an excellent opportunity for those looking to start or enhance their business under favorable financial conditions with government support.
Minimum Requirements for Entrepreneur Loans
Entrepreneur loans are available to legal entities and entrepreneurs who meet the following criteria:
Required Documentation for Entrepreneur Loans
- Required Documentation for a Business Loan Application
- Loan application
- Copy of the owner's ID card
- Registration certificate from the Business Registers Agency (not older than three months)
- Tax ID (PIB)
- OP form (certified signature specimen)
- Founding act and statute
- Financial reports for the last two (exceptionally one) fiscal periods
- Gross balance sheet (closing statement)
- Specimen signature card
- Business account transaction records for the last 12 months
- Required Documentation for an Entrepreneur Loan Application:
- Entrepreneur Loan Application Form
- Copy of the owner's ID card
- Business Registration Certificate from the Business Registers Agency (not older than 3 months)
- Tax Identification Number (PIB)
- OP Form (Authorized Signature Form)
- Financial reports for the last 2 (exceptionally 1) accounting periods
- Tax assessment decision (advance and/or final calculation)
- Certificate of settled tax obligations
- Gross balance sheet (closing statement)
- Signature specimen card
- Account transaction history from the client’s business bank for the last 12 months
- Additional Documentation:
- Status and financial documentation for a related entity of the applicant
- Status and financial documentation for the co-debtor
- Inventory list or commercial book balance
- Bank statement
- Analytical ledger of customers and suppliers
- List of fixed assets (analytical ledger of fixed assets)
- Extract from the real estate cadastre / land registry extract / deed / invoice / proforma invoice / customs declaration (JCI) / property and/or asset valuation report
- Explanation of investment expenditure
Original Documents Required for Review
Frequently Asked Questions
Who can apply for an entrepreneur loan?
Entrepreneur loans are available to legal entities and entrepreneurs whose registered headquarters are in the Republic of Serbia, have been in business for at least 15 months, and can obtain a Credit Bureau Report. Applicants must also have confirmed creditworthiness for loan repayment.
How long does the approval process take?
The approval process for entrepreneur loans usually takes up to 48 hours after all required documents and information have been processed, and your creditworthiness is confirmed.
What are the conditions for loan approval?
To qualify for an entrepreneur loan, your business must have been operational for at least 15 months, have a positive credit report, and meet the required creditworthiness criteria for the requested loan amount and terms.
What types of entrepreneur loans are available?
Various types of entrepreneur loans are available, including loans for flat-rate taxpayers and loans for entrepreneurs operating under the flat-rate taxation system.
Are there any additional costs apart from interest?
All terms and potential additional costs will be disclosed when you apply for the loan. Our goal is to ensure a transparent process with no hidden fees.
How can I apply for an entrepreneur loan?
You can submit your application online through our platform. After filling out the basic information, our team will contact you to complete the remaining steps of the process.
Can flat-rate taxpayers apply for a mortgage loan?
Yes, flat-rate taxpayers can apply for a mortgage loan, but they must provide proof of stable income and meet other bank requirements, such as having an active entrepreneurial business and a bank statement.
Can flat-rate taxpayers apply for a cash loan?
Yes, flat-rate taxpayers can apply for a cash loan, provided they demonstrate stable income, an active business, and submit the necessary documentation, such as a bank statement and cooperation contracts.