Women In Focus - Loans For Female Entrepreneurs
Start Your Business with UCB Women in Focus Loan
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About the Loan
You Lead with Courage, We Provide Security! Universal Capital Bank's new credit line for women's entrepreneurship - Women in Focus! Universal Capital Bank has introduced a dedicated credit product called "Women in Focus" aimed at supporting women entrepreneurs. Launched just after International Women's Day, this credit line, specially designed for women, offers loans with fixed interest rates, with a longer maturity and the possibility of a grace period.
The "Women in Focus" credit line represents a significant step in empowering women in the Montenegrin economy. This initiative provides women entrepreneurs with access to financial resources under more favourable conditions, enabling them to develop their businesses and achieve their business goals. In March 2025, a Cooperation Agreement was signed between Universal Capital Bank and the Secretariat of the Competitiveness Council, which formalised initiatives for further support for women's entrepreneurship within the ŽIG Women's Business project.
The agreement stipulates that companies that are official holders of the “Women's Business” trademark will not be subject to additional checks or documentation requirements when applying for financial support intended for women's entrepreneurship.
Key features of this credit line:
The Bank approves loans to legal entities that have been awarded the Women's Business Trademark as well as to other legal entities that meet the “Women's Business” criteria in accordance with the Bank's business policy (legal entities that are owned by women, managed by women, controlled by women or that are independent). Loans are intended for investments in fixed assets - tangible assets (buildings, equipment and devices, basic livestock, establishment of long-term plantations, small inventory, etc.), intangible assets (product or service development, patents, licenses, concessions, copyrights, franchises, etc.) and working capital, under the following conditions:
Approval conditions | |
|---|---|
Maturity | Up to 84 months |
Grace Period | Up to 12 months |
Repayment method | In accordance with the contract, annuity, seasonal, non-standard |
Purpose | For other needs in permanent working capital |
Collateral | notes/mortgage/guarantee/pledge/deposit/other |
Note
The amount of the approved loan and the means of securing the loan are defined in accordance with the Bank's credit policy and the assessment of the legal entity's solvency.