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Micro Financing

Objective of Credit Line
The aim of this credit line shall be to promote micro business initiatives of small and medium-sized enterprises.

Loan Beneficiaries
Potential beneficiaries of the loan funds shall be the existing and newly founded enterprises which are (at least 51%) privately owned, such as: micro and small scale enterprises, individual entrepreneurs, handicraft shops, private merchants, market counters, and other micro and small scale entities.

Purpose of Loans 
Loan funds shall be used for purchasing equipment, construction works, land and working capital.

General Terms and Conditions

Micro loans:

  • loan amount up to EUR 15,000
  • entities having up to 20 employees  
  • repayment period not exceeding 24 months  

Small loans:

  • loan amount up to 50,000 EUR
  • small enterprises having up to 100 employees  
  • repayment period not exceeding 48 months

The interest rate and repayment period shall be determined by the commercial bank depending on the type of business, credit rating of the borrower and some other factors.

Intermediary Banks

HALKBANK AD SKOPJE HALKBANK AD SKOPJE
Credit Depart.: 02/3240-844
Operator: 02/3240-800
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www.halkbank.mk/
SPARKASSE BANK Macedonia AD SKOPJE SPARKASSE BANK Macedonia AD SKOPJE
Credit Depart.: 02/3200-528
Operator: 02/3200-500
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www.sparkasse.com.mk/
PROCREDIT BANK AD SKOPJE PROCREDIT BANK AD SKOPJE
Credit Depart.: 02/3219-927
Operator: 02/3219-900
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www.procreditbank.com.mk/
NLB BANKA AD SKOPJE NLB BANKA AD SKOPJE
Credit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
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www.nlb.mk/
SAVING HOUSE MOZHNOSTI SAVING HOUSE MOZHNOSTI
Credit Depart.: 02/2401-050
Operator: 02/2401-051
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www.moznosti.com.mk/

Financial Agreement Signed with EIB of EUR 100 million - Phase V                                Export Factoring Interest Rate Lowered from 5% to 4%.                                Loans for ACCOMMODATION FACILITIES.                                AGRO-INDUSTRY Loans with interest rate of 2% ONLY!                                Reduce the risk, insure the sale! Unique opportunity to secure domestic and export receivables.                                Special Credit Guarantee Scheme.