Loan without collateral
A loan for current assets for economic activity performers, where the company itself and the guarantee of the owner/board member serve as collateral for the loan.
Target audience
The company is older than 6 months and the turnover is over 3,000 EUR/month
A company that wants to develop its business
A company that needs working capital
A company that does not have or does not want to provide collateral
A company that needs a quick response and money in the account
Basic conditions
Amounts : from 3,000 to 200,000 EUR. Larger companies can apply for a loan of up to EUR 500,000
Rates : starting at 9% per annum
Terms : from 3 to 36 months
Collateral : private guarantee, from 50 to 100% of the loan amount
Response speed of financial institutions : receive an indicative response in 1-3 working days. The credit committee would confirm the answer in 2-5 working days.
Delivery speed: within 1-7 working days from submission of all documents.
Acceptance criteria
The company is at least 6 months old and the turnover is over 3'000 EUR per month during the last 6 months
The company and owner/board member have good credit
There are no tax debts that exceed 1 month's average turnover
Funding objectives
Purchase of fixed assets
Investments in current assets
Financing of purchases
For payment of taxes
For the refinancing of existing obligations
Documents required for the application
Completed Oferta Finance application form
Bank account statement for the last 12 months
Operating balance sheet and profit/loss calculation not older than 3 months
Oferta Finance offer
We offer a loan broker service so that you can get a loan without collateral. We do not charge money for submitting an application, considering it and making a commercial offer. We receive our commission only when we fulfill our task - we attract financing for you.
Next steps
Fill out the form by following this link
Prepare and send the required documents
Get our commercial offer
Sign the cooperation agreement and we will match you with the best financing
Receive financing offers from our financial partners
Choose the best financial offer among several
Sign a financing agreement with your chosen financial partner
Get a loan without collateral
Product benefits
No collateral is required and no company/assets will be pledged. Usually, for other products and for larger amounts, it is required to pledge the assets of the company, or to provide real estate as additional security.
Ask less questions and ask for a document. This type of loan has simplified document requirements and evaluation, as the financial institution takes on fewer risks.
Very fast decision-making by financial partners. Smaller companies have fewer so-called "data-points" to evaluate, while issuing smaller amounts to larger companies means less risk, which is always liked by financial institutions.
Very fast execution of the transaction and receipt of money in your company's account. Due to the simplicity of the transaction and the absence of collateral, there are simpler contracts, fewer negotiations and a much faster process to the money.
