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Contact us:
“Veljko Vlahovic” Street,
No. 26, Skopje
Tel.: 389/02/ 3 115 844
  3 109 981
Fax: 389/02/ 3 239 688
E-mail: info@mbdp.com.mk
 
 Investment credits
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Credit lines for SME development

Purpose

     This Credit Line is intended for financing of investments and development of small and medium enterprises.

Who can apply

     Potential end beneficiaries are the enterprises registered in the Republic of Macedonia which capital is over 51% in private ownership:
    •  Existing small and medium enterprises that accomplish positive financial result
    •  New small and medium enterprises.
     Credit Line funds are not intended for providing financing for trade, acquisition of other legal entities, investments for which credits are already approved, etc.

Credit Purpose

    - At least 5 0% of the funds is intended for purchasing of fixed assets.
    - At most 50% of the credit amount may be used for working capital.

     Purchases of the basic cattle and longlasted plants are not financing with the funds of this credit line.

Terms and Conditions

Credit amounts:
15.000 – 500.000 EUR
Interest Rate
     8% p.a.
Interest rate is fixed.
Currency and Interest
       Credit is disbursed and repaid in foreign currency, with foreign currency clause. The interest rate as well.
Repayment Period

 

Grace Period
Up to 8 years

 

Up to 1 year

Collateral

•  Mortgage on property
•  Pledge on movables, rights and securities
•  Bill of exchange
•  Pledge on property and movables and rights of personal property of the founders
•  Other usual forms of collateral


Required Documents
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1.

Application with Business plan

2.

Decision to enter in the Trade Registry of the Republic of Macedonia

3.

Real Estate List for the property of the credit beneficiary

4.

Annual Financial Statements for the last 2, i.e. 3 years

5.

Statement of the end beneficiary that has not applied for the same facility in another bank or financial institution

6.

Document: Data for the business partner

7.

List of biggest debtors and creditors of the end beneficiary

8.

Member List of the management bodies

9.

Claims/liabilities by/to the on lending bank


Banks participants:

Komercijalna banka ad Skopje
Tel/Fax.: (2) 3107-107 / 3111-780
Tutunska banka ad Skopje
Tel/Fax.: (2) 3105-600 / 3161-114
UNI banka ad Skopje
Tel/Fax.: (2) 3286-100 / 3132-186
SPARKASSE BANK Makedonija AD SKOPJE
Tel/Fax.: (2) 3200-528 / 3200-500
Makedonska banka ad Skopje
Tel/Fax.: (2) 3117-111 / 3117-191
Izvozna i kreditna banka ad Skopje
Tel/Fax.: (2) 3122-207 / 3122-344
Eurostandard banka ad Skopje
Tel/Fax.: (2) 3228-444 / 3224-085

Ohridska banka ad Ohrid
Tel/Fax.: (046) 206-600 / 254-130

Stopanska banka ad Bitola
Tel/Fax.: (047) 33-563 / 37-048
Sileks banka ad Skopje
Tel/Fax.: (2) 3115-288 / 3114-891
TTK banka ad Skopje
Tel/Fax.: (2) 3236-400 / 3236-444
Tel/Fax.: (044) 335-280
 
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