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Digital banking

POS Liquidity credit facility

Make the most of your Nexi POS payment collections and secure immediate financing for your business with the flexible POS Liquidity credit facility.
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Financing through your POS device

Up to 50% of your turnover
Get a credit limit for up to 50% of your collections from card payments through Nexi POS devices.
Repayment tailored to you
Repay the principal gradually, depending on your future POS collections and transaction turnover.
Online management
Draw money and make payments whenever you want through our business digital banking.

Discover the features

Find out all the features of the POS Liquidity credit facility.

What else you gain with Gold

Find out the benefits you enjoy if you are a Gold Business Banking client.

Discount on the interest rate spread

If you are a Gold Business Banking client, you get a 50% discount on the interest rate spread. Meaning:

  • APRB + 0% to 1% spread
  • 3m Euribor + 2% to 2.25% spread

20% on the management fees

Enjoy 20% off the application processing fees or the fee for renewing your business revolving credit limit. Meaning:

  • €240 for amounts up to €20,000 
  • €320 for amounts from €20,000.01 to €50,000
  • €360 for amounts from €50,000.01 to €100,000
  • €560 for amounts from €100,000.01 to €500,000
  • €960 for amounts from €500,000.01 to €1,000,000

What you need to receive short-term financing

Have a look at the conditions for getting the POS Liquidity credit facility.

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.
  • Use Nexi POS to accept payments.
  • Hold a business sight account with Alpha Bank.
  • Have booked an appointment at a branch near you.

Have at hand...

The required supporting documents for working capital.

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.

Credit limit

Discounting interest-free POS instalments

With Nexi POS devices

Dynamic Currency Conversion – DCC

Transport modes and equipment

Leasing for equipment

Any questions?

Find the answers you need about the POS Liquidity credit facility.

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

Turn your POS device into a financing tool

Book an appointment today at a branch near you and get instant liquidity through your POS collections.
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