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- for permanent working capital and green transition
- for investments for SMEs and green transition
- for investments for mid-cap companies and green transition
- up to 3.5% annual interest rate
- via intermediary banks
- for large exporting companies,
- up to 50% of the loan amount, and
without compensation for companies until 31.12.2025
- for micro, small and medium enterprises
- securing the part of the collateral for the extended loans
- up to 80% of the principal amount of the working capital loans
- up to 50% of the principal amount of loans for fixed assets
  (note: the guarantee percentage depends on the risk category of the loan and other terms and conditions)
- via intermediary banks and savings banks
Protect your business, insure your receivables!
If you are a company registered in RNM and sell goods
and services in the country or abroad on deferred payment of up to 180 days,
APPLY and we will buy your receivables and pay you in advance!
- for securing customs debt in inward processing
- for domestic companies importing goods in order to undergo processing operations and re-export of the processed goods
- 100% of the amount of the customs debt
- 0.2% quarterly provision


Public Announcements

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15/03/2024
- Press release from USAID and Embassy of Switzerland in North Macedonia -   Through digitalization to the development...
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22/12/2023
Development Bank of North Macedonia has disbursed funds in the amount of EUR 64.5 million from the European Investment Bank l...
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21/12/2023
The Government of RNM, the Ministry of Finance, and the Development Bank of North Macedonia through the French Development Ag...
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20/11/2023
The Council of Europe Development Bank (CEB), at the session held on November 17, 2023, made a decision to approve a Program ...

Public Announcements



Who are we?

The Development Bank of North Macedonia is a development bank that is 100% owned by the Republic of North Macedonia. It was founded in 1998 with the primary goal of supporting domestic micro, small, medium, and export-oriented trading companies and strengthening the competitiveness of the Macedonian economy. The bank supports domestic companies through direct and intermediated lending, short-term insurance of the export of Macedonian products and services against commercial and political risks, domestic factoring and export factoring with recourse, as well as issuing guarantees.