Services

Business loan – credit for your growth

Receive a short-term loan to ensure the operating activities of your company

Attract additional financing in the value of stocks in your warehouse

Favourable conditions – starting from 1% per transaction

No pledges or guarantees

Amount of financing – up to 500,000 eur

Required financing

€

Due date

years

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Loan against pledge for entrepreneurs

ERST Finance offers an alternative to conventional lending instruments, allowing you to use the accumulated products in your warehouse to receive a short-term loan to pay off the commitments of the particular period or to start up new projects. Serving as the only required guarantee for the provision of the credit is the currently unsold stocks. Moreover, we allow you to freely manage these stocks and we do not restrict their storage. The repayment term for business credit is 30-90 days.

Required criteria
for obtaining a loan:

The company has been trading for at least a year
The previous year ended with a profit
Positive net worth
No major tax delays

Example

Woodwork company, using a favourable market offer, purchases large roundwood stocks, in such way ensuring a 100% production load.
At the same time, a shortage of current assets occurs, as the active sale season has not started yet and the payment for previous transactions is late.
ERST Finance refinances the client’s warehouse by providing a financing in the size of 90% of the value of stocks within 2-3 days.
This allows the company to pay their employees and finance new purchases of roundwood.
After 90 days, upon receiving the payment for the timber sold, the company repays the loan, receiving their best profit of the season during this period.

How to receive financing?

The client pledges the stocks in their warehouse to ERST Finance, receiving financing in return.
The pledged stocks remain in the client’s warehouse and are available for selling.
Within 30-90 days, the client repays the loan.