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Development working capital loan

Invest in the productivity of your small businesses and ensure liquidity for your medium-term needs in the form of working capital with the Development loan.
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For your next business ventures

For medium-term needs
Turn your plans into reality and boost the competitive edge of your business.
From 2 to 6 years
Repay the working capital loan in up to 6 years with a grace period of up to 12 months.
Early repayment option
Repay the loan earlier in full or in part, without any penalties, if you have a floating interest rate.

Discover the features

Find out the features of the Development working capital loan.

What you need to take out a working capital loan

Have a look at the conditions for getting the Development working capital loan.

Apply provided you...

  • Have a small business with an annual turnover below €10 million.
  • Have a business operating license in force.
  • Are the legal representative of the business.
  • Hold a business sight account with Alpha Bank.
  • Have booked an appointment at a branch near you.

Have at hand...

You’ll also need the supporting documents to start banking with us or to update your details, if you:

New to Alpha Bank?

Find out how to start banking with us based on the legal form of your business.

For freelancers

Open a business account and get business digital banking credentials, provided you already have personal ones.
Open an account

For registered companies with 1 representative

Open a business account and get business digital banking credentials, provided you already have personal ones.
Open an account

For businesses with 2+ legal representatives

Schedule an appointment at a branch to start banking with us and sign up to business digital banking.
Book an appointment

No digital banking?

Get business credentials

For freelancers or companies with 1 representative

Get business credentials, provided you already have personal ones or hold an active Alpha Bank card.

Sign up to business digital banking Sign up to business digital banking

Get personal credentials

If you haven’t already signed up

Get personal digital banking credentials in a flash through your mobile or computer.

Sign up to personal digital banking Sign up to personal digital banking

Explore other options

Find other products or services that may interest you.

For the domestic and international market

Factoring and forfaiting

Equipment

Business loan for equipment

Business4all

Business insurance to cover everything

Any questions?

Find the answers you need about the Development working capital loan.

What documents do I need to apply for working capital?

The documents verifying the details of your business.

We may ask for additional supporting documents, depending on the collateral you offer.

What kind of collateral may be required?

To offer you a business loan, we may ask for collateral.

In the form of a mortgage lien on:

  • Commercial property – office, retail store, hotel, warehouse
  • Home – house, apartment, housing estate

In the form of pledging:

  • Receivables
  • Equipment – mechanical or professional equipment, vehicles
  • Cash

What supporting documents do I need to bring to the branch to verify the details of my business?

For your business financial details

For businesses with class B accounting books:

  1. Copy of E3 tax form for the last 3 closed financial years. If the most recent year isn’t closed, submit periodic VAT returns instead. 
  2. Periodic VAT returns for the current financial year and the corresponding ones for the previous year.
  3. Copy of the latest E1 tax form, only for sole proprietorships.
  4. ENFIA (unified property tax) certificate for legal entities.

For businesses with class C accounting books:

  1. Balance sheets for the last 3 closed financial years, including income statements, related annex, and company stamp and signatures of representatives.
  2. Subsidiary ledger trial balance for December of the previous financial year, if not closed, listing stocktaking information, activity for the period, monthly activity and balances. 
  3. Subsidiary ledger trial balance for the current period and the corresponding one for the previous year, listing stocktaking information, activity for the period, monthly activity and balances.
  4. ENFIA (unified property tax) certificate for legal entities.

For the investor or legal representative

  1. Copy of valid ID card or passport
  2. Tax return statement for the last 2 years or copy of the E1 tax form for each partner / main shareholder / guarantor
  3. ENFIA (unified property tax) certificate for each partner / main shareholder / guarantor

Additional supporting documents

View all the FAQs

Take out a working capital loan for your medium-term needs

Book an appointment today to visit a branch near you and boost your business productivity with a working capital loan.
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