Производи

539 projects supported through EIB 4 (December, 2015)

Small and Medium Enterprises Financing

Investments

EIB 4 - 100,000,000

EIB4 - for SME

Financing Investments for Small and Medium Enterprises from EIB 4 – EUR 100,000,000

-EIB 4 credit line has EUR 0 million available-

General Terms and Conditions

Loan amount for final
borrower:
  • Minimum amount of EUR 10,000
  • Maximum amount of EUR 3,500,000
Repayment period: Up to 8 years
Interest rate for the final
borrower:
Up to 5.5% p.a.
Grace period included: Up to 24 months
Manner of repayment: Quarterly
Participation of EIB funds
in project financing:
Up to 100%

Disbursement to and repayment
by the intermediary bank:

Foreign currency (EUR)
Purpose:

Financing identified projects:

  • Purchasing fixed assets:
    - real estate
    - equipment
    - working capital (not exceeding 30% of the loan value)
  • Investment in intangible assets (development, planning and
    providing finance for the construction phase, salary, and costs
    related to the research and development phase)
Priority final borrower:
  • Entities which show extended scope of work at least 5% or
    increased export of at least 5% in the current year compared
    to the previous one
  • Entities which have invested in modernization, saving of energy,
    environment protection
  • Entities which have increased the number of employees
  • Entities which have good market competitiveness
    (operating income larger than operating expense,
    current liquidity higher than 0.8 and at least 30% export income)
Bans and exclusions:

Fields excluded from financing with this product are:

  • Production of weapon
  • Gambling and betting activities
  • Tobacco production
  • Activities involving live animals for experimental purposes
  • Activities affecting environment
  • Cloning
  • Activities in the field of real estate trading
  • Projects which accounting value exceeds EUR 25 million
  • Entities which number of employees exceeds 250
Miscellaneous: Number of employees should not diminish during the repayment period
Management fee for the
intermediary bank:
The intermediary bank may charge the final borrower a
management fee of 1.0% one-off

Required Documents
1. Loan Application and Business Plan / Investment Programme
2. Company information from the Central Registry of the Republic of Macedonia
3. Copy of the proof for ownership of the offered collateral and its evaluation
4. Annual statements for minimum of the last two years
5. List of largest debtors and creditors to the final borrower
6. List of the management bodies’ members, size of company, number of employees, parts of the entity in the country and abroad

Intermediary Banks

KOMERCIJALNA BANKA AD SKOPJE KOMERCIJALNA BANKA AD SKOPJE
Credit Depart.: 02/3168-504
Operator: 02/3168-168
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.kb.com.mk/
STOPANSKA BANKA AD SKOPJE STOPANSKA BANKA AD SKOPJE
Credit Depart.: 02/3295-524
Operator: 02/3295-295
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stb.com.mk/
STOPANSKA BANKA AD BITOLA STOPANSKA BANKA AD BITOLA
Credit Depart.: 047/207-522
Operator: 047/207-500
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stbbt.com.mk/
NLB BANKA AD SKOPJE NLB BANKA AD SKOPJE
Credit Depart.: 02/5100-638
Operator: 02/5100-610
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.nlbtb.com.mk/
OHRIDSKA BANKA AD OHRID OHRIDSKA BANKA AD OHRID
Credit Depart.: 02/3203-717
Operator: 046/206-600
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ob.com.mk/
PROCREDIT BANK AD SKOPJE PROCREDIT BANK AD SKOPJE
Credit Depart.: 02/3219-927
Operator: 02/3219-900
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.procreditbank.com.mk/
HALKBANK AD SKOPJE HALKBANK AD SKOPJE
Credit Depart.: 02/3240-844
Operator: 02/3240-800
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.halkbank.mk/
SPARKASSE BANK Macedonia AD SKOPJE SPARKASSE BANK Macedonia AD SKOPJE
Credit Depart.: 02/3200-528
Operator: 02/3200-500
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.sparkasse.com.mk/
UNI BANK AD SKOPJE UNI BANK AD SKOPJE
Credit Depart.: 02/3286-025
Operator: 02/3286-100
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.unibank.com.mk/
CENTRAL COOPERATIVE BANK AD SKOPJE CENTRAL COOPERATIVE BANK AD SKOPJE
Credit Depart.: 02/3249-360
Operator: 02/3249-302
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ccbank.mk/
TTK BANK AD SKOPJE TTK BANK AD SKOPJE
Credit Depart.: 02/3236-456
Operator: 02/3236-400
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ttk.com.mk/

 

New Financial Agreement Signed with EIB of EUR 100 Million - Phase IV                                Export Factoring Interest Rate Lowered from 6% to 5%.                                Loans with THE MOST FAVOURABLE interest rate of up to 5.5%.                                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.