Step-by-Step
Credit program for support to start-ups, social enterprises and civil society organizations

  • Loans with only bills of exchange as security instruments
  • Advisory support and online tools for business plan creation
  • Mentoring support and networking

Our Village Project

Financial and non-financial support for the start and development of agriculture

 

Erste Bank's social banking program for start-ups, social enterprises and civil society organizations "Step by Step" in cooperation with Delta Holding and within the project "Our Village" helps to establish and develop agriculture in underdeveloped areas and to rebuild villages in Serbia.

Korak po Korak

The Step-by-Step program is the Erste Group social banking program. We offer customized banking services to start-ups, social enterprises and civil society organizations for further development of our society. Through the provision of special-purpose loans, we help our clients establish and develop a small enterprise, increase employment and contribute to greater development of the local community. Our products are coupled with financial education and mentoring, all with an aim to help clients make quality business decisions.

Who is the program intended for?

Prerequisites for the participation in the program

What the program offers

Educational support

You can find 9 educational modules on the korakpokorak.rs educational platform. Each module represents one business plan segment. The goal of the modules is to help you create a proper business plan.

Mentoring support

Borrowers who are granted a loan will be assigned a business mentor on the basis of their needs. The mentor will provide them the advice on the business development over a period of 12 months, as well as support in setting and monitoring their development goals.

Offered products
for start-ups

Investment loan

Finance the procurement of equipment and vehicles, purchase and refurbishment of your business premises or the expansion of your production capacity for a longer tenor, grace period and with minimum security instruments.

  • The loan may be in RSD / EUR
  • Up to 60 months tenor
  • Grace period up to 12 months
  • Repayment in monthly installments
  • Loan processing costs - 0.25%
  • Obligatory 10% down payment and submission of pro-forma invoices
  • Bills of exchange as security instruments
  • Simple process

Permanent working capital loan

Finance the procurement of raw materials, materials, finished products and goods for a longer tenor, grace period and with minimum security instruments.

 

  • The loan may be in RSD / EUR
  • Up to 36-month tenor
  • Grace period up to 12 months
  • Repayment in monthly installments
  • Loan processing costs 0.5%
  • Obligatory 10% down payment and submission of pro-forma invoices
  • Bills of exchange as security instruments
  • Simple process

Steps in the application of start-ups to the program

Success stories of our clients

0800 201 201 

free for calls from Serbia

for all networks

+381 60 48 48 000

also for calls from abroad

The program is implemented with the support by the following partners:

This program is supported through a guarantee funded by the European Union within the EaSI (Programme for Employment and Social Innovation) established under Regulation (EU) no. 1296/2013 of the European Parliament and the Council establishing the Union Programme for Employment and Social Innovation ('EaSI').

The program is provided with the support of the American people through the United States Agency for International Development (USAID). The content of the program is under the exclusive responsibility of Erste Bank and does not reflect the views of USAID or the United States Government.

USAID