Loans for Investment and Working Capital

Finding and structuring bank, investment and project financing for companies and businesses — terms that can be negotiated, backed by experience from the banking side of the table. We also help prepare the documentation banks require for loan approval.

Why

Why you need support in securing a loan

Working capital loans and investment loans rarely come on the same terms for everyone — bank financing for companies depends on how well the credit documentation is prepared and how many banks take part in the negotiations. Project financing in Serbia requires additional structuring, especially when repayment is tied to the cash flow of a specific investment.

The difference between submitting an application and structuring financing

An application is filled out. Financing is structured — before the bank even asks the question.

The consequences of missing preparation

The terms are accepted as offered, because there is no basis for negotiation or comparing alternatives.

Signs that you need support

Growth requires additional working capital or investment, and your existing relationship with the bank isn't enough to secure favorable terms.

Common problems

Common problems we solve

Credit documentation doesn't reflect the company's real creditworthiness

The bank sees less than what the company can actually offer as a basis.

No comparison of offers from multiple banks

The first offer is accepted without the competition that would improve the terms.

Financing structure doesn't match its purpose

A short-term source finances a long-term investment, or vice versa.

Covenants accepted without analysis

Contractual obligations restrict future operations without ever having been negotiated.

What you get

What you get with the loans for investment and working capital service

Creditworthiness analysis

A review of the balance sheet and indicators from the bank's perspective, before the application is submitted.

Documentation preparation

A credit package that answers the questions the bank will ask.

Bank selection and comparison

Running the process with several banks in parallel to secure better terms.

Structuring the financing

Maturity, currency and instrument aligned with the purpose of the funds — including project financing, where repayment is tied to the cash flow of a specific investment.

Negotiating the terms

Interest rate, covenants, collateral and grace period.

Support through to disbursement

Following the process from approval through to execution.

How the collaboration works

Initial conversation

We understand the purpose of the financing and the company's current position.

Priprema i analiza

Assessing creditworthiness and preparing documentation.

Negotiations with banks

Running the process in parallel to secure the best terms.

Execution

Support through to signing and disbursement of funds.

Who it's for, and who it isn't

Who this service is for, and who it isn't

Who it's for

Companies planning an investment or growth in working capital — financing structured to match its purpose is needed.

Owners who want better terms than they currently have — their existing bank relationship hasn't produced a competitive offer.

Companies without an in-house banking relationships team — they lack the capacity to run the process with several banks in parallel.

Who it isn't for

Companies with an acute liquidity problem — the Financial Restructuring service is more relevant for these cases.

Requests below the threshold that justifies a structured process — for smaller, standard loans, a direct relationship with the bank is enough.

Common mistakes

Common mistakes we see

Approaching only one bank

The negotiating leverage that competition brings is lost.

Documentation prepared at the last minute

Rushing leads to a weaker presentation of creditworthiness.

Accepting covenants without understanding the consequences

The restrictions only come to light when the company tries to breach them.

Mismatch between maturity and purpose

A short-term loan is used for a long-term investment, which puts pressure on liquidity.

If two or more of these sound familiar — it's time to talk.

Questions and answers

How many banks do you negotiate with at the same time?

Typically three to five, depending on the size and profile of the request.

Do you also help with state guarantee schemes?

Yes, we include them in the analysis when they apply to the specific case.

How long does the process take, from preparation to disbursement?

Depending on the bank and the amount, typically six to twelve weeks.

Do you also work with companies that already have a troubled credit history?

Yes, with a realistic assessment of what terms can be expected in that case.

Does the service also cover alternative sources of financing?

Yes, we additionally consider leasing, factoring and guarantees where they are more suitable.

Do you also handle project financing?

Yes — when repayment is tied to the cash flow of a specific project or investment rather than the company's general operations, we structure the loan accordingly, including a matching grace period and repayment schedule.

How much does the loan-sourcing and structuring service cost?

The fee structure depends on the size and type of financing sought. The initial conversation and feasibility assessment are free — we define the specific fee before the process begins.