Make a higher level of business happen: 100% online loan

A non-purpose loan that can be used to finance current expenses or the purchase of goods, materials and raw materials. A working capital loan is also suitable for financing seasonal businesses.

Small enterprises that have submitted financial statements for at least 2 years of operation and have a business account with RBA and contracted mobile and/or internet banking for business users.

Craft businesses that maintain income bookkeeping and have electronically submitted the Income Tax Return (DOH form) for at least 2 years of operation, and have a business account with RBA and contracted mobile and/or internet banking for business users.

In mobile or internet banking for business users, the “Lending” menu is visible only to clients who are currently eligible to apply for this loan.

The online loan is currently not available for institutions, sole proprietors, craft businesses that maintain double-entry bookkeeping, flat-rate businesses, family farms, cooperatives/associations and joint craft businesses.

The procedure is simple and fast. From the moment the application is submitted to the disbursement, it typically takes 30 minutes.

The authorized representative logs into mobile or internet banking and accesses the loan application via the “Lending” link (in the left menu). The authorized representative is the person who independently and individually represents the company. 

The application requires filling in all mandatory fields and attaching the tax administration certificate. If the loan conditions are met, the client receives an offer. When the client accepts the terms of the offer, they digitally sign the contract (electronic signature). After the successful signing of the contract, the funds are disbursed. If the contract is signed by 4 p.m., the funds are transferred to the business account on the same day, and if the contract is signed after 4 p.m., the disbursement will follow the next day.

The offer is valid for 3 days from creation and is not binding for the client.

The disbursement follows after the digital signing of the contract. If the contract is signed by 4 p.m., the funds are transferred to the business account on the same day, and if the contract is signed after 4 p.m., the disbursement will follow the next day.

If the data is missing or incorrect, it is necessary to cancel the application and contact the nearest branch for updating. Once the data are corrected, it is possible to apply online again. The address, mobile phone number and e-mail of the representative are important data used during the digital signing process.

An electronic signature is a way of digitally signing documents that can replace a handwritten signature.

Electronic signatures can be securely used to sign online contracts, letters, emails or other documents, and as such, they are valid in court proceedings as proof that a specific person signed a particular document.

With a personalized device (mToken, USB or SmartCard) used to log into internet banking, you have everything needed for digital signing. You will receive a one-time certificate required for signing.

A collateral consists of the company’s promissory note and the promissory note of the authorized representative who signed the loan agreement. We prepare the promissory note for you and you receive it along with the agreement via e-mail so that you can solemnize it with a notary public.

After digitally signing the agreement, the contractual documentation will be sent to the representative's e-mail. The received promissory note must be printed and solemnized with a notary public. The solemnized promissory note must be delivered to the bank immediately after signing the agreement or no later than 7 days from the signing, in accordance with the instructions in the e-mail.

Yes. The fee is paid as a one-time payment and is excluded from the loan amount during disbursement. The fee amount can be seen in the offer.

In addition to the loan approval fee, there is an additional cost for solemnizing the promissory note with a notary public and the cost of sending the promissory note by mail.

You can. Contact the bank to get all the necessary information and the final calculation.

You can. Contact the bank to get all the necessary information.