Individual guarantees

Take advantage of a loan with Individual guarantee, even if your collateral is insufficient!

Submit application Rates

How do I get it?

Submit an application

Submit your completed loan application online. Visit ILTE website to learn what documents are to be submitted by SMEs and large enterprises.

Wait for our decision

The bank will provide a decision on the loan as soon as possible after the application is submitted.

Sign the agreement

Once the bank has received the Individual guarantee, sign a loan agreement with the bank.

Individual guarantees for loans offer solutions to insufficient conditions and facilitate the access to the funding sources.

Individual guarantee for loans is available to business start-ups, small and medium-sized enterprises and large companies.

Individual guarantees are available for loans intended for:

The purchase, construction, repair or reconstruction of fixed assets;
Technology transfer through the acquisition of patents, licences or other non-patentable know-how;
Working capital, in the form of a short-term loan or credit line;
Refinancing investments previously funded with company resources.

Intensity and amounts of individual guarantees:

For small and medium-sized enterprises – EUR 5 million.
For large enterprises – EUR 2.25 million.
Leasing – EUR 2.25 million (EUR 1.125 million for a lessee who has been in business for less than 3 years as of the application date for a leasing guarantee).
If multiple individual guarantees are received, the total sum of the guarantee balances must not exceed EUR 10,000,000.
The individual guarantee ensures repayment of up to 80% of the loan.