We offer you short-term and long-term guarantees on favorable terms.

  • Application form,
  • Certificate from a relevant Commercial Court that no bankruptcy or liquidation procedure has been initiated against the client,
  • Company Charter,
  • Certificate from Tax administration that the client has no tax originating Statement on affiliated persons (Bank form),
  • Business plan for a minimum of 12 months,
  • Financial statements for 4 previous years (balance sheet, income statement, cash flow statement, changes in equity statement, statistical forms (if any); balance as of 30 June of the current year, if the application has been made in the second half of the year, Report of authorised auditor for the past 4 years (if applicable), Closing statement (gross balances) for the past year (i.e. with balance as of 30 June of the current year, if the loan application is made upon expiry of a half of that year),
  • Documents briefly describing the collateral,
  • Documents that prove the value of offered collateral,
  • Documents that verify the existence of collateral with encumbrances of other banks or third parties,
  • List of balance sheet items (land, real-estate and equipment) with presented values and brief descriptions of items,
  • Data about balance sheet items representing intangible assets (if any),
  • Analysis of long-term financial placements,
  • Analysis of client’s financial liabilities against financial organisations in the country and abroad: amount, maturity and terms of long and short-term financial liabilities,
  • Analysis of client’s receivables to buyers in the country and abroad,
  • Statements of domestic and f/x payments showing the business volume the client has had with banks in Montenegro,
  • Brief business biographies of members of executive management,
  • Brief information about the number of employees, their qualification and age statistics,
  • A table showing court disputes and other legal instruments initiated against the client (if any),
  • Other documents, if required.