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LOANS FOR WORKING CAPITAL AND INVESTMENTS WITH AN OPTION OF THE EGF GUARANTEE

The working capital and investment credit line does not require collateral as the loan can be secured by a 70% guarantee from the Pan-European Guarantee Fund (EGF). The quota for loans guaranteed by the EGF is EUR 150 million.


The guarantee of the Pan-European Guarantee Fund (EGF) is only available for:


  • Small and medium-sized enterprises (SMEs), provided that they have between 2 and 249 employees and meet one of the following two criteria: 1) annual turnover of up to EUR 50 million; or 2) annual balance sheet total not exceeding EUR 43 million;

  • Small enterprises with a medium-sized market capitalisation (companies from 250 to 499 employees).


The fee for EGF guarantee is 0,49 % per annum of the outstanding principal. The amount of the loan may vary from EUR 100.000 to EUR 2.571.000 The loan has a maturity of between 1 and 12 years, depending also on the type of state aid.

Loans to finance working capital and investments are also available to large companies, but they must provide their own collateral (they are not covered by the EGF guarantee).


Businesses of all sizes can also apply for the following loan schemes:

  • RRI3: loans for development, research and technology,

  • NALOŽBE3: loans for projects contributing to the transition towards a circular economy,

  • LES1: loans for investments in the wood processing industry.



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