Loans

If your project is economically viable, a loan will stimulate sustainable development in your community. Still we feel it is important that a loan matches the needs of your project. In case the loan sum exceeds your actual need, it could become a millstone around your neck instead of a stepping-stone towards a better future. That is why our regional offices closely monitor all projects. If a problem arises, the regional office works with you towards finding a solution.

What kind of loans do we offer?

• Loan size: from 50,000 to 2 million euros or the equivalent thereof in other
  currencies. In exceptional cases, larger amounts may be considered;
• Interest rate: reasonable and flexible considering market rates for comparable
  transactions as well as the risks and development relevance of the project;
• Term of loan: from 1 to 6 years;
• Grace period: depending on the type of project and project cashflow.
  From 6 months up to 36 months;
• Repayment schedule: flexible to suit the project’s need;
• Fees/commissions: Oikocredit applies fair and transparently calculated fees and
  commissions. In most cases, Oikocredit charges a standard arrangement fee of 1%;
• Securities: suitable securities are required from the borrowing institution and its
  representatives to ensure serious commitment to the success of the undertaking.