Guarantee institutions

Joint and several guarantee by Garantiqa

The joint and several guarantee by Garantiqa Hitelgarancia Zrt. is available with favourable fees for SMEs to short or long term loans, bank guarantee facilities, and factoring with max. 1 year term. The guarantee is subsidized and available for 80% of the commitment. 
Further details here


Garantiqa Portfolio Guarantee

On the basis of the cooperation agreement concluded between UniCredit Bank and Garantiqa Hitelgarancia Zrt. the guarantee is applicable also by a simplified process for any commitment type.
Further details here


Garantiqa COSME guarantee

The Garantiqa Hitelgarancia Zrt. offers a unique guarantee  in the framework of the European Investment Fund (EIF) COSME programme to SMEs. The guarantee is fixed 85% or fixed 90% of the loan amount, it has no state aid content and available also for agricultural or exporting companies without any limitation.
Further details here

Garantiqa Economic Recovery Guarantee Programme

The Garantiqa Hitelgarancia Zrt. offers own risk guarantee in the framework of the Economic Recovery Guarantee Programme to companies qualified as small and medium sized-enterprises (SMEs) and large enterprises. The rate of Garantiqa Economic Recovery Guarantee is maximum 80% of the amount of the loan and has no state aid content, so it is also available for enterprises having used all of their subsidy limit or being not eligible for state aid.
Further details here

The EIF (European Investment Fund) provides 50% guarantee behind innovative SME’s and Mid-Caps loans under the facility agreement concluded with UniCredit Bank Hungary. If the company is eligible for the loan and for the EIF InnovFin guarantee, there is no need for guarantee application, or guarantee agreement, the guarantee is automatically provided for the loan.

The EIF InnovFin guarantee (InnovFin SME Guarantee Facility) supports the loans of SMEs and small Mid-Caps, with the financial backing of the European Union under Horizon 2020 Financial Instruments and the European Fund for Strategic Investments (EFSI) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing”

Further details here

Rural Credit Guarantee Foundation (AVHGA)

The Rural Credit Guarantee Foundation aims at issuing on-demand guarantees to micro, small and medium-sized enterprises (SMEs) which are engaged in the agricultural sector or whose activity is related to a rural area in order to access finance. Further details here

EXIM Compensation Loan Protection Program

Eximbank assists SMEs and large companies through joint and several guarantee in overcoming their liquidity difficulties arisen due to the outbreak of the corona virus pandemic, maintaining the viability of the enterprises and providing the continuity of their economic activity.
Further details here


EXIM guarantee

In the frame of Export Promoting Credit Program Eximbank provides guarantees to commercial banks for the loans refinanced by Eximbank supporting access to finance of domestic medium and large enterprises
Further details here

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