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Working capital loan

Loan amount

Flexible depending on business scope and financial solvency

Loan period

36 months

monthly Interest rate

1.5% - 1.8%

Working capital loan

Loans financing the working capital needs of your business.

Loan terms:

Loan amount
Flexible depending on business scope and financial solvency
Interest rate
1.5% - 1.8%
1.1 - 1.5%
/18.0% -21.6%/ per annul
/13.2% - 18.0%/ per annul
Loan period
36 months
36 months
Service fee
Loan application fee


  • In operation for the past 6 months;
  • To have the required business license from the relevant authority, valid until the loan maturity, or in case of special licenses with set periods, availability to obtain an extension until loan matures;
  • No previous bad credit history with other banks, financial institutions, individuals or legal entities;
  • Maintains accounting records which are up to date and accurate with regards to the operation of the business; in case of legal entities, accounting bookkeeping;
  • Provide accurate and complete information as required by the bank;
  • In case of establishment of a legal entity during the process of doing business, said legal entity should have no bad credit history or bankruptcy record.

Required documents:

  • XacBank application form;
  • Business background;
  • Certificate of legal entity, charter and founders’ agreement;
  • Financial statements (last 1-3 years);
  • Business permits, licenses, and patents;
  • Land ownership and occupancy certificates;
  • Recent credit history from other banks and financial institutions;
  • Agreements and transactions relevant to activities to be financed by loan;
  • Documents relevant to collateral assets;
  • Other documents required depending on business type.