Business Start-Up

Solution  for all challenges and needs in starting – up your business!

Having an idea for business start-up and wish to get involved in production, agriculture, trade or services.

LIDER offers to you:

  • Solution for all needs of your business start-up
  • Long-term cooperation based on mutual trust and solid partnership
  • Package of financial and non-financial services adapted to your needs and interests during the whole period of partnership
  • Fast and simple procedure with the assistance of skilled and professional staff.


We shall support you financially in:

  • Purchase of fixed assets
  • Construction or renovation of business premises
  • Purchase of inventory or row materials
  • Other investments for business improvement or combination of previously listed activities.


Besides financial support, LIDER will support you in development of your business and ideas in line with your needs and interests through the package of FREE NON-FINANCIAL SERVICES:

  • Consultancy
  • Education
  • Assistance
  • Promotion
  • Networking
  • Experience sharing
  • Business idea development



AMOUNT: 500 KM – 10.000 KM (Currency BAM – with currency clause)

Criteria for loan indexing: Loan is closed with currency clause tied to Euro as per the middle exchange rate of the Central Bank of B&H on the day of contract.

REPAYMENT PERIOD: 6 – 48 months

ANNUAL INTEREST RATE: 24% – 25% (client segment related), fixed, annual

EFFECTIVE INTEREST RATE (EIR): (includes annual interest rate, commission, cost of BoE (5 KM), pledge on mobile assets registration (as per actual tariff), cost of documents verification (as per actual tariff), intercalary interest as per nominal interest rate) from 28,50% for the amount of 5.000 KM and repayment period of 48 months

COMMISSION: 2% – 2,5% (client segment related)

GRACE PERIOD: up to 24 months

Possible additional costs:

  • Bill of Exchange
  • Pledge on mobile assets – check and registration (in case of pledge guaranty)
  • Intercalary interest
  • Cost of document verification.