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  2. Microloan

Microloan

A loan from 1000 to 25 000 EUR for the various needs of your business.

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Completely remote

Apply, receive an offer and sign the agreement online.

Fast decision

Receive a loan offer within 1 business day.

Great terms

No need to use real estate as collateral.

What is a microloan?

The loan is intended to help your business run successfully - for long or short term investments and working capital. Suitable for small and medium businesses who have been in operation for at least one year.

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Both current Citadele customers and those who bank elsewhere can apply for the loan

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You can become a customer remotely within 20 minutes

Become a customer

Types of microloans


The loan is attached to your business payment card as a credit limit to be used as necessary.

  • Borrow from 1 000 to 25 000 EUR, depending on turnover.
  • Available for one year with the option of extending the term.
  • Fixed interest rate from 12% per year.
  • Administration fee – 2% of credit limit amount.
  • Minimum monthly instalment: 5% of used credit amount.
  • No need to pledge assets – get a loan with a personal guarantee of shareholder.
  • After signing the agreement, the credit limit is set to the account linked to the payment card within a few hours if the company already has a C Business Card or X Business Card.
Receive an offer
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  • Loan from 1 000 to 25 000 EUR, depending on turnover.
  • Repayment schedule of up to 5 years.
  • Interest rate from 9% per year.
  • New microloan processing fee – 2% of the loan amount.
  • No need to pledge assets – get a loan with a personal guarantee of shareholder.
  • Receive a loan offer within 1 business day.
Receive an offer
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How to apply

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Fill in an application

on our website even if you are not yet a Citadele customer.
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Receive an individually-prepared

loan offer within 1 business day by email or on our website under My Applications.
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Sign an agreement

and use the loan funds on the same day.
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Fill in an application

on our website even if you are not yet a Citadele customer.
icon

Receive an individually-prepared

loan offer within 1 business day by email or on our website under My Applications.
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Sign an agreement

and use the loan funds on the same day.
Receive an offer Become a customer
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Worth knowing before you apply

To help us prepare a loan offer for your business, you should comply with the following conditions:

  • The business has been operating for at least one year, and you have at least one official annual report submitted to VĮ Registrų centras.
  • The company’s economic activity is trending upwards.
  • Your existing business activities can cover your current and planned loan obligations.
  • Your business do not have any outstanding loan payments.

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