EIB Apex credit line

Credit line assets are intended for:

• purchase, reconstruction or expansion of fixed assets other than land,
• financing permanent working capital,
• intangible assets,
• development, planning and financial expenses during the construction period,
• costs of research and development,
• development of a distribution network in the country.

Credit line assets cannot be used for:

• purchase or construction of facilities for the purpose of selling or renting,
• purchase of other companies except in case of pure purchase of facilities or equipment,
• funding VAT as part of the investment except in case there is no return thereof. Otherwise, the subject of financing can be only the net amount of the investment,
• financing of forbidden activities in accordance with the Mediation Agreement, including trading companies.

Loan terms:

• Loan period: from 2 to 12 years
• Grace period: up to 2 years
• Maximum loan amount: EUR 12,500,000
• Interest rate:

– variable comprised of EURIBOR + EIB margin + up to 1.75% margin for mediation banks + 0.175% of fee for NBS for projects supporting employment of young people, i.e. EURIBOR + EIB margin + up to 2.5% margin for mediation banks + 0.25% of fee for NBS for other projects.

– fixed comprised of EIB interest containing the EIB margin + up to 1.75% margin for mediation banks + 0.175% of fee for NBS for projects supporting employment of young people, i.e. EIB interest containing the EIB margin + up to 2.5% margin for mediation banks + 0.25% of fee for NBS for other projects.