About this loan
Centralus Business loan is designed for sole traders, entrepreneurs and small businesses needing financial support for fixed assets or working capital. It can fund equipment, vehicles, raw materials and other resources needed for growth and development, in amounts from 300 KM to 50.000 KM.
This loan provides a stable foundation for business improvement and increased liquidity. With a straightforward process, transparent terms and adaptable repayment plans, Centralus Business loan helps entrepreneurs achieve their goals and support long-term business success.
Illustrative example and current annual percentage rate (APR) range
| Loan type | Loan amount | Repayment term | Nominal interest rate | Processing fee | APR range* |
|---|---|---|---|---|---|
| Centralus Business loan | 10.000,00 KM | 24 months | 20,5% fixed | 1-2% | 23,13%-64,50% |
Processing fee under the approved offer: 1–2%. Additional costs: promissory note 5,00 KM, certification 4,00 KM.
The stated annual percentage rates (APR) are calculated for both the maximum loan amounts and terms and the minimum loan amounts and terms.
Indicative instalment schedule
| CENTRALUS BUSINESS | |||||
|---|---|---|---|---|---|
| Loan amount | over 12 months | over 24 months | over 36 months | over 48 months | over 60 months |
| 1.000,00 KM | 92,90 | 51,10 | |||
| 5.000,00 KM | 464,40 | 255,70 | 187,10 | ||
| 10.000,00 KM | 928,70 | 511,40 | 374,20 | 307,00 | 267,70 |
| 15.000,00 KM | 1.393,20 | 767,10 | 561,30 | 460,50 | 401,60 |
| 20.000,00 KM | 1.857,50 | 1.022,80 | 857,60 | 614,00 | 535,50 |
| 30.000,00 KM | 2.786,20 | 1.534,20 | 1.122,60 | 920,90 | 803,20 |
| 50.000,00 KM | 4.643,70 | 2.557,00 | 1.870,90 | 1.534,90 | 1.338,60 |
* The table shows the approved APR range for this product, rather than an individual APR calculation for the amount and term shown. Individual APR and final terms are stated in the standard information sheet and contractual offer. The instalment schedule retains the indicative values previously published on the website.
*MKD Centralus states/approves loans in KM indexed to EUR at the Central Bank of Bosnia and Herzegovina middle exchange rate on the date the agreement is drawn up.
This calculation is indicative and does not constitute a binding offer. Final loan terms may differ.
Documents, general business terms and standard information sheet
