Financing solutions for small businesses

As Hungary’s second‑largest commercial bank, MBH Bank supports small businesses with a nationwide presence of 390 branches, versatile financing solutions, and modern, easy‑to‑use digital services.

To apply for a loan, a business must generally meet the following basic requirements:

• Be a registered, actively operating company.
• Have at least one completed business year with a positive financial result.
• Have no ongoing enforcement proceedings by the Hungarian Tax Authority (NAV). These are the minimum criteria for a potential loan application.

MBH Bank provides the following financing solutions for its corporate clients:

• Overdraft facility
• Investment loan
• Working capital / one-time loan
• Guarantee-type products
• Lombard loan

The Bank’s full financing product range can be found under Financing Solutions for Small Businesses.

Overdraft:
A short-term, flexible credit line available through the company’s current account to bridge liquidity gaps. If a transaction exceeds the available account balance, the overdraft automatically covers the difference. Interest is paid only on the amount actually used.

Working Capital Loan:
A purpose-specific loan used to finance working capital needs (e.g., inventory, raw materials). It is typically a fixed amount with a predetermined term and repayment schedule. After a single disbursement, the loan balance gradually decreases through regular instalments – similar to an investment loan.

A working capital loan can positively impact the company’s liquidity by providing immediate funding to cover:

• inventory purchases,
• supplier invoices,
• payroll expenses.

This is especially helpful when customer payments are delayed but operating costs continue. It ensures continuous operation and prevents service or production interruptions due to liquidity shortages.

A well-planned investment can support a company in several ways:

Capacity expansion and increased productivity

• Enables the purchase of new machinery, technology, or equipment.
• Modernisation and automation reduce unit costs and improve efficiency.

Strengthening market competitiveness

• Supports innovation and product/service development.
• Better quality and faster service improve market position.

Long-term revenue growth

• Expanded capacity and improved technology generate stable, higher revenues.
• The investment typically pays off over the loan term and contributes to profit.

Maintaining liquidity

• Financing reduces the need to use internal funds, preserving working capital for day-to-day operations.

Strategic growth and diversification

Yes, refinancing is possible with MBH Bank’s own-funded loan products. as well.

Fees and interest rates are defined in the current conditions lists available on the Bank’s website:

• V4 Kisvállalati hitelek KL 230501
• V5 Vállalati hitelek KL_20230213

In general, the following documents are required:

Basic corporate documents:

• Completed loan application form (bank template)
• Company registry extract (not older than 30 days)
• Articles of association / founding document (and amendments)
• Specimen signatures or signature samples
• Transparency declaration (required for certain loan types)

Financial documents:

• Financial statements for the last 1–2 completed business years
• General ledger extract (current quarter and completed years)
• Tax authority clearance certificate (NAV – no outstanding debts)
• Tax account statement and tax return receipt
• Company bank account statements (typically 3–6 months)

Personal documents from authorised signatories:

• ID card, address card
• Power of attorney and personal documents of authorised representatives

Documents related to the loan purpose:

• Business plan (especially for investment loans)
• List of assets to be purchased, offers, preliminary contracts
• For real estate collateral: property sheet, valuation, purchase agreement

The exact documentation depends on the specific product and can be clarified during the needs assessment with the assigned relationship manager.

Credit consultation and needs assessment can take place via telephone appointment with a relationship manager or personally at any MBH Bank branch. After the application is submitted, the advisor prepares a personalised offer tailored to the client’s requirements.

Clients may initiate contact through the following channels:

• TeleBankár
• VideoBankár
• Online branch appointment booking
• In-person consultations at any MBH Bank branch