From working capital lines to multi-million euro term loans — flexible business finance with 48-hour credit decisions and KEF/EIF-backed schemes.
Structured finance solutions for every stage of your business journey.
Cyprus Union Savings Bank is an accredited partner of the Cyprus Entrepreneurship Fund (KEF) and the European Investment Fund (EIF). These EU-backed guarantee schemes allow us to offer reduced-rate financing to qualifying SMEs and micro-enterprises.
Disbursed under KEF schemes since 2019
SMEs supported through EU-backed lending
Typical rate reduction under EIF guarantee
Additional application fee for KEF/EIF schemes
Rates are indicative and subject to credit assessment, security, and loan-to-value. ECB base rate as at 1 May 2026: 2.25%.
| Product | Rate (p.a.) | Basis | Max Term | Max Amount |
|---|---|---|---|---|
| Business Line of Credit (secured) | From 4.75% | Variable (ECB + 2.5%) | 12 months renewable | €500,000 |
| Business Line of Credit (unsecured) | From 5.50% | Variable | 12 months renewable | €100,000 |
| Business Term Loan (fixed rate) | From 4.50% | Fixed 3–7 years | 15 years | €5,000,000 |
| Business Term Loan (variable) | From 4.25% | Variable (ECB + 2.0%) | 15 years | €5,000,000 |
| Equipment Finance (hire purchase) | From 3.90% | Fixed | 7 years | €2,000,000 |
| Commercial Mortgage (variable) | From 4.25% | Variable (ECB + 2.0%) | 25 years | €10,000,000 |
| KEF-backed SME Loan | From 3.50% | Variable (reduced) | 10 years | €1,500,000 |
| EIF InnovFin (R&D / innovation) | From 3.25% | Variable (reduced) | 12 years | €2,500,000 |
All rates quoted are APRC (Annual Percentage Rate of Charge). Actual rate offered depends on credit assessment outcome, available security, loan term, and applicable guarantee scheme. Arrangement fees may apply.
Most decisions within 48 business hours.
Complete our online enquiry form or call your relationship manager. We'll confirm the right product and gather basic business details.
Upload your last 2 years' financial statements, 6 months' bank statements, and a brief business plan via our secure portal.
Our Business Finance team reviews your application and issues a credit decision within 48 business hours. We may call for clarification.
Sign the facility letter digitally. Funds credited to your CUSB business account — usually same-day or next business day after completion.
Speak with a Business Finance specialist or start your application online today.
Talk to a Specialist Apply Online