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LOAN FOR BUSINESS IN SLOVAKIA
Financial support programs in Slovakia
Bank loans are quite affordable and popular. Foreign citizens or non-residents with an open permanent residence permit can get a loan in Slovakia, and it is also possible to get a mortgage with a temporary residence permit.
The main feature of lending in Slovakia is accessibility, long credit terms, an attractive interest rate, for example, 1.5% for the purchase of an apartment, as well as the volume of financing.
Creation of the first business
The first type of state support extends to people who have decided to start their own business for the first time. Such persons will be able to receive €5,600 from the state. The payment will be one-time, and one of the conditions for its receipt is that the business must have been in operation for at least two years. If this condition is not met, the amount of aid will have to be returned in a proportional amount.
Tatra banka business loan offers:
- BusinessLoanTB Expres (non-targeted loan without collateral, amounts up to EUR 135,000);
- BusinessLoanTB Hypo (non-targeted loan for entrepreneurs secured by real estate, amount up to EUR 200,000);
- BusinessLoanTB Variant (individual conditions, amount up to EUR 1 million).
Mortgage
How to get a mortgage in Slovakia for a foreigner? It is difficult for a foreigner with a temporary residence permit (residence permit) to get a mortgage or a loan in Slovakia, but it is possible. It is most convenient to get a purposeless mortgage (bezúcelová hypotéka).
It is easy to get a mortgage for a foreigner who has a permanent residence (permanent residence) in Slovakia and a stable income (salary) required for a mortgage.
The rate is from 1 to 3% annually. Provision of 60-80 percent of the total amount of the apartment or house being purchased. The market value is calculated by qualified experts. The mortgage repayment period is from 4 to 30 years.
Assistance in obtaining a loan for:
- Purchase of real estate (house, apartment, other buildings) on the secondary market;
- Purchase of land for construction;
- Purchase of business equipment;
- Other investment projects.
- Mortgages.
To get financing or a loan in Slovakia, it is very important to have a reliable partner who can select funds, prepare applications for financing, justify estimates: help develop effective business models, etc.
Our services are priced from 200 euros per consultation and subsequent support.
Calculate the cost of services
1 question
Are you currently in Ukraine?
2 question
Are you currently in Slovakia?
3 question
Have you already chosen a bank in which you need legal support for obtaining a loan?
4 question
Is the amount of the loan that you plan to receive more than 500,000 euros?
5 question
Do you need a consultation urgently?
How long does company registration take?
Registration as a sole proprietor (živnosť) usually takes up to 4 business days. Registration of a full limited liability company (s.r.o.) takes 7–10 days from the date all required powers of attorney are signed.
Can I open a company remotely without travelling to Slovakia?
Yes, the registration of a company or sole proprietorship can be completed entirely remotely on the basis of a notarised power of attorney. However, your personal visit will be required to submit biometric data for a residence permit to the immigration police, as well as for final identification at certain Slovak banks.
What taxes will I pay as a small business?
In 2026, legal entities with annual income of up to EUR 100,000 are subject to a reduced corporate income tax rate of 10%. If you operate as a sole proprietor, the system allows the deduction of so-called “flat-rate expenses” (a fixed percentage of expenses without supporting documents), which makes the tax burden minimal.
When is a company required to register for VAT?
Mandatory VAT registration arises if your company’s turnover in Slovakia over the last 12 months exceeds the threshold of EUR 50,000. It is also possible to register for VAT voluntarily at the launch stage if this is necessary for working with your European counterparties.
You may also need:
REGISTRATION OF A BUSINESS (FIRM) IN THE CZECH REPUBLIC
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