Find the financing your business needs
Get financing for your business needs now and repay in up to 7 years
Get the entire capital at once.
Repayment period of up to 7 years
Pay in convenient installments.
Interest rate of your choice
You can opt for a floating or a fixed interest rate.
- For residents in Andorra.
- Loan with personal or corporate guarantees in order to finance the purchase of goods required for a business’ structural needs.
Granted within a maximum period of 7 days, as long as all required documents have been provided.
See required documents
- You will get the entire capital at once, at the beginning of the transaction.
- Repayment period of up to 7 years.
- You can choose 3-month, 6-month and 1-year Euribor. The interest rate will be reviewed periodically in accordance with the chosen Euribor. Or, if you prefer, choose a fixed interest rate.
- Your company will be able to deduct the interests paid for the loan for tax purposes.
You can choose the receipt date of the charge.
See terms and conditions
In order to correctly assess your credit operation’s application, your account manager will need to be provided with a minimum required documentation.
Minimum required documentation for the Business Loan assessment
In case of companies with legal entities (public limited companies, private limited companies, etc.):
- Last tax year’s income statement and balance (and provisional financial statements from the current year).
- Accounts audit in case it is mandatory for the company.
You could also be required to present the last Corporate Tax and IGI (VAT equivalent) settlements and your employees’ contributions to CASS in order to verify that the payment of those tax liabilities is up to date.
If needed, the bank will also be able to request additional information in order to carry out a proper asset, economic and financial analysis of your company.
Minimum applicable interest: +3% on 3-month, 6-month or 1-year Euribor. In the case of a negative Euribor value, the reference would be Euribor = 0.
Your business must be 100% linked to MoraBanc (POS, payrolls and direct debiting of bills, cash income, CASS payments, insurance contracts…).
The amount of your monthly payment or the sum of your current debt must not be higher than 35% of your monthly fixed income.
When granted to freelancers or independent professionals, the repayment period must not exceed the customer’s retirement age.
Grace period for capital: 18 months
Opening commission: 1%
Partial or total cancellation commission: 2%
In the case of a negative Euribor value, the reference would be Euribor = 0.
Financing will be subject to study and approval from MoraBanc’s side.
Write to us and we will contact you.
Information on the processing of personal data
In compliance with Law 15/2003 of 18 December on protection of personal data, the customer authorizes that the applicant’s personal data entered on this form will be incorporated into files owned and managed by MORA BANC GRUP, SA – MORA BANC, SAU (hereafter referred to as “MoraBanc”) to process the requested service and, if necessary, to comply with the contracts finally entered into, and also to ensure correct operational precedures
The applicant expressly authorises MoraBanc to send him/her commercial and promotional communications for products and services and information on the Bank itself, social or other activities, in hardcopy by post or by electronic means (among others, short messages (SMS) to mobile phones, e-mail, etc.). This consent can always be withdrawn, without retroactive effect.
The applicant authorises the data provided to be communicated or shared with third parties forming part of the MoraBanc business group, entities which are primarily active in the financial, insurance and service sectors. The applicant is considered as having been informed of this transfer of information by means of this clause. The applicant accepts that he/she may be sent information on any product or service marketed by these companies.
The data processing manager is MoraBanc. The applicant is hereby informed that the rights of access, rectification, suppression or opposition may be exercised in the terms established in current legislation.
Or call us on +376 88 48 84