Customized, attractive and flexible offer, with an extended range of collaterals accepted.

With Idea::Investment loan your business investment plans come to life:

  • Funding of up to 90% of the investment value (including VAT)
  • Tailored to your business needs
  • Low costs: 0% fees for management or early repayment from own sources
  • Flexibility: we will mutually agree on the best fitting repayment schedule, according to your activity needs, on a longer period of up to 10 years
  • Wide range of collaterals accepted: you can secure the loan with the very investment you make from the loan and/or other real estate securities, cars, vehicles, equipment and installations, collateral deposits, guarantees from guarantee funds


Use the facility to fund assets that will help your business grow.

The Idea::Investment Loan can be used to fund the acquisition of real estate, cars and new or second hand equipment or the construction, expansion or modernization of real estate assets used in growing your business, such as: production facilities, commercial spaces, warehouses, etc.

In addition, with the Idea::Investment Loan:

  • You can benefit from a grace period until your investment starts to yield, and the investment loan is repaid gradually, based on a schedule mutually agreed with the bank, without affecting the company’s liquidity and allowing you better control of your business cash flow
  • You can use the facility amount in one or several drawings
  • You can use the loan to refinance similar facilities from other banks, which had been granted under less attractive conditions
  • You get a grace period of up to 6 months or even up to 30 months for the construction, modernization or expansion of real estate properties
  • The repayment period is:
    • Up to 7 years for the acquisition of vehicles and equipment
    • Up to 10 years for the acquisition or construction, expansion or modernization of real state property


Transparent fees and charges.

The investment loan costs are transparent, linked to ROBOR/EURIBOR and have been designed to your benefit, being visible from the very beginning.

  • Fees: 0% fees for management or early repayment from own sources
  • Other fees and charges for BC, CIP, CRC, RNPM queries may be withheld from the facility upon granting
  • Taxes and fees to be paid from your money:
    • security valuation fee (if applicable)
    • notary fees (if applicable)

Useful information

Investment loan eligibility criteria.

To be granted an investment loan you should meet at least the following requirements:

  • Your business has been operating for at least 24 months and you have carried out the same main activity in the past 12 months
  • Your company is not listed with major payment incidents in the Payment Incidents Register in the past 12 months and has not been banned from issuing bank checks
  • Your company did not have arrears in excess of 90 days on any loans contracted in the past 24 months
  • You haven’t restructured any of the loans you have contracted
  • There are no active garnishments on your current accounts opened with the bank
  • Your business is financially stable* (you record operating profit and a stable or growing turnover)

Based on the information you submitted, Idea::Bank will review your financial statements according to the bank’s internal criteria.

Documents needed: depending on your business profile, our consultants will let you know what documents are required for the approval of your investment loan.

To apply for this product::

  • You can fill in the online form clicking on the Apply now button
  • You can send an SMS to 1710 with the words “investment loan” and we will call you back
  • Visit one of our branches

Apply for Investment loan

We will get back to you in no time!