Alter Modus is a microcredit financial institution established in 1997. with the aim of providing credit support for development of family owned and small businesses in Montenegro. Nowadays, Alter Modus is a synonym for a company which sets standards for micro-crediting in Montenegrin market. Our clients are entrepreneurs, micro and small enterprises, natural persons generating or planning to generate income from business activity, employed persons and pensioners. Majority of loans we approve is intended for investment in business growth and development, acquisition of current assets and in business sustainability, but the funds are also used for resolving existential issues and improvement of quality of life.

Alter Modus builds its way together with its employees and clients with clear vision to be the first choice of micro and small businesses throughout Montenegro for financing their needs. With a years-long history of operations, as well as experience and knowledge in field of micro-crediting we are recognized in local communities and general public as a strong and reliable partner.

Head Office of Alter Modus is in Podgorica while the business activity is done in 20 branch offices throughout Montenegro which constitute three business networks – South, Centre and North. We provide services in a fast, simple and flexible way, and are proud of the fact that we serve about 70% of market share.

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