Micro, Small and Medium-Sized business entities ( < 250 employees consolidated; income < EUR 50mn or assets < EUR 43mn EUR) that:
♦ are > 50% in private ownership
♦ have not been blocked for over 30 days in the last 6 months
♦ have no unsettled obligations towards the state
NOTE: the condition for micro customers is that they are to be owned by resident legal entities or private individuals, and may be blocked for up to max. 5 days in the last 6 months.

♦ agricultural and fishing activities
♦ activities in line with Annex 3 to the Committee Regulation EU No. 964/2014 (tobacco and distilled alcoholic beverages, guns and ammunition, gambling, pornography, nuclear energy)
♦ paper publishing and radio and TV broadcasting
♦ trading activities
♦ petrol stations
♦ taxi service activities, rent and leasing of cars and motor vehicles (rent-a car);road cargo transportation activities

♦ financing of VAT
♦ refinancing of existing liabilities
♦ bridge loans, frame loans in business accounts, revolving loans, and frame facilities for guarantees, loans, etc.
♦ investments for personal purposes
♦ construction or purchase of housing or business premises for sale or lease, save for the purpose of conducting tourist activity that the respective applicant performs
♦ purchase of real estate and moveable property from connected persons
♦ vehicles for road cargo transportation
♦ purchase of business premises in the construction phase
♦ ownership shares in other business entities

*End-borrowers classified into the following business activities according to the NKD have the possibility to receive the interest rate subsidy: C (manufacturing), H (transport and storage – only transport referring to coastal or water ways), I (accommodation and catering services) and R (art, entertainment and leisure). The maximum total interest rate subsidy can amount up to a half of the amount of the total calculated interest per placement as defined in the repayment plan.

 * End users classified in the following activities according to the NKD are eligible for the interest rate incentive: C (manufacturing), H (transportation and storage – only coastal or waterways transportation), I (accommodation and food service activities) and R (art, entertainment and recreation). Total interest rate incentive can amount up to maximum one half of the total calculated interest amount for the placement as set in the repayment plan.