A plan your bank and your funding body can read
Montenegro Experts is the hotel consultancy for private properties in Montenegro. For small and mid-sized hotels we write the investment and business plan that banks and funding bodies require, with occupancy, rates and profitability from the operator's point of view.
Three routes to financing, as of October 2026
Each of these programmes requires documents showing that the investment pays for itself. All programmes with deadline and source are in the funding guide.
Development Bank, PRG-26-7
Tourism loans from 10,000 to 10 million euros, direct at 5.40 percent, 4.90 percent in the north and in less developed municipalities, terms up to 12 years, up to 4 years grace period. The credit line runs until 31 December 2026.
Razvojna banka Crne Gore, programme document PRG-26-7
SME Go Green
After completion, 10 percent of the loan amount is credited, 15 percent for renewable energy. Currently offered through CKB and NLB; each bank clarifies eligibility case by case.
EBRD announcements, 2026; SME Go Green Montenegro, 13.10.2026
Eko-Fond, energy efficiency
Grants of up to 70 percent, at most 50,000 euros per hotel. The call to hotels is expected from January 2027; whoever has a finished plan by then is early.
eko-fond.co.me, call of 14.09.2026
From the funding check to the complete plan
It starts with the funding check: which programme fits your project, in which order, with what own contribution.
Then we write the investment and business plan to the requirements of the bank or funding body. We build the figures from the operation: rooms, occupancy per month, rates, staff and costs. That way every assumption can be justified when the bank asks.
On request we accompany the meeting with the bank, on site or by video.
What the plan contains
- Project, investment and financing at a glance
- Location, market and competition
- Occupancy and rates per month, in scenarios
- Staff, costs and result over the term
- Debt service: do the earnings cover interest and repayment?
- Every assumption stated openly, every figure with its source
Accounts and tax information come from your accountant. We leave legal and tax advice to licensed local firms.
Five steps, and you decide after each one
First meeting
45 minutes, free of charge and without obligation: your project, your timeframe.
Funding check
Which programmes fit, in which order, with what own contribution.
Documents
Accounts, occupancy, cost estimates. We tell you exactly what we need.
Plan
Investment and business plan to the requirements of the bank or funding body.
Bank meeting
On request we accompany you until every question has been answered.
What hoteliers ask us
For which properties do you write business plans?
For small and mid-sized hotels, guesthouses and restaurants in Montenegro, for new builds, extensions, refurbishments or energy efficiency.
Do you guarantee the bank's approval?
No. Loans and funding are decided solely by the bank and the funding body. We make sure your plan is complete, comprehensible and structured to their requirements.
What does working with you cost?
We work at a fixed price agreed before we start, per stage. We name the price after the first meeting, once we know your project.
In which language do you write the plan?
In Montenegrin, German or English, in the language your bank or funding body requires.
Let us start with your project
Write to us in two sentences about what you want to invest in and by when. We will get back to you personally and arrange a meeting.