- Loan up to € 150 000 without a pledge or up to € 500 000 with a pledge*
- Security - surety of the company’s owner 
- Loan term 12 - 60 months
- Lower loan interest rate
- Altum guarantee premium covered by Luminor 
- For new lending only
- De Minimis support is applied
- Available till 31.10.2026

*if with pledge:
- Security - mortgage, commercial pledge and/or surety of the company’s owner 
- Altum guarantee premium covered by Customer

- Credit line limit up to € 150 000 without a pledge or up to € 500 000 with a pledge*
- Security – surety of the company’s owner 
- Loan term 12 – 24 months
- Lower loan interest rate
- Altum guarantee premium covered by Luminor 
- For new lending only
- De Minimis support is applied
- Available till 31.10.2026

* if with pledge:
- Security - mortgage, commercial pledge and/or surety of the company’s owner 
- Altum guarantee premium covered by Customer

- Guarantees line limit up to € 500 000 with the pledge
- Security - mortgage, commercial pledge and/or surety of the company’s owner 
- Altum guarantee premium covered by Customer
- Loan term 12 – 60 months
- Lower fee for use of guarantee
- For new lending only
- De Minimis support is applied
- Available till 31.10.2026