Working capital loan for companies affected by energy and price crisis

Funds from the loan are approved for direct support of micro, small and medium-sized companies, sole proprietors, and artisans which pay taxes on real income.

For working capital to support companies affected by the energy and price crisis.

Collected funds from the credit lines "Covid 1", "Covid 3" and "Covid 4" in the amount of MKD 300.000.000.

Potential users may be micro, small, and medium-sized companies (according to their Current Financial Status), sole proprietors, and artisans who pay taxes on real income and are registered in the Republic of North Macedonia.

Micro, small and medium-sized enterprises (according to the Current Financial Status), sole proprietors, and artisans who pay real income tax and are registered in the Republic of North Macedonia in accordance with the positive regulations and have core capital in private ownership of legal and natural persons of at least 51% are entitled to submit an application.
The loan applicant may check their classification by having an insight into their Current Financial Status.

• They are registered in the Republic of North Macedonia,
• At least 51% privately owned,
• They have no outstanding obligations to the state, as evidenced by a certificate from the Public Revenue Office not older than 01.01.2022,
• Are not in bankruptcy or liquidation proceedings,
• They have submitted an annual account to the Central Registry for 2021, regardless of the months of operation,
• They have registered real owners in the Register of Real Owners at the Central Registry of the RNM if they are debt payers (Current Financial Status of the real owner, Certificate for the real owner),
• They have capital and reserves (stated in the Balance Sheet for 2021, AOP code 65) not less than 30% of the amount of the requested loan (this criterion does not apply to sole proprietors and artisans),
• According to the data from the NBRNM credit register as of June 30, 2022, they are in a classification better than or equal to B (average risk is calculated) or who have no credit exposure. An exception is if the total credit exposure of banks to a particular client is less than MKD 10.000.
• At the time of submission of the loan application, they have no outstanding obligations greater than MKD 10.000, as users of the "Covid 1", "Covid 2", "Covid 3" and "Covid 4" credit lines.
• They are not beneficiaries of a loan from the interest-free credit line for working capital for companies affected by the energy and economic crisis (EE Crisis) directly through DBNM,
• Net financial result expressed in amount, in the income statement of AOP 255 or in the income statement of AOP 256 is not greater than MKD 3.000.000 denars (this criterion does not apply to sole proprietors and artisans).
• In 2022, there should be more than 100% increased costs for energy compared to 2021, for which comparison, they submit a copy of an energy invoice issued in the period from January to September 2022 along with a copy of a corresponding energy invoice issued in the period from January - September 2021 (invoices with the same month of issue and for the same energy will be subject of comparison),
• In the loan application, they should provide a Statement for Energy Efficiency in which it is stated that in the business processes, as well as in the processes for the realization of future purchases or investments during the repayment of the loan, the loan applicant will take care of achieving greater energy efficiency and will achieve at least 10% savings in energy consumption.

• A qualified borrower who meets the criteria for loan approval on a "FIRST COME, FIRST SERVED" basis.
• Loan applications are processed chronologically as they are received at:  eckriza@mbdp.com.mk. 

• Loan application,
• Application for client registration,
• Statement on related persons/entities,
• Statement on holders of the public function,
• Credit exposure verification statement,
• CS form (form for certified signature),
• Proof of not having outstanding taxes and contributions to the state; Certificate from the Public Revenue Office (not older than 01.01.2022),
• Current Financial Status not older than 6 months (from the Central Registry of the RNM),
• Current Financial Status of the real owner's database not older than 6 months (from the Central Registry of the RNM),
• Annual financial statements (as of 31.12.2021) (from the Central Registry of the RNM),
• Certificate of bankruptcy and Certificate of liquidation - Proof that no bankruptcy or liquidation procedure has been initiated (from the Central Registry of the RNM) not older than 6 months.
• A copy of an energy invoice issued in the period from January to September 2022 and a copy of a corresponding energy invoice issued in the period from January to September 2021 (invoices with the same month of issue and for the same energy are to be submitted).

 For the credit line, a Public Call no. 1 has been announced on 19.12.2022.

Loan applications for the public call are submitted for 15 days, starting on December 26, 2022, at 09:00 a.m. and ending on January 09, 2023, at 09:00 a.m.

The processing of received loan applications will begin after the closing of the public call.
The documents submitted to the public call are non-returnable.
Inadequate loan applications of unqualified loan users will not be considered.
Incomplete loan applications will not be considered until they are complete.
Documents received without a loan application (form on the bank's website) will not be processed until the loan application is submitted.
The Bank bears no expenses incurred with the preparation, compilation, and submission of loan applications, so the participant of the public call has no right to reimbursement of any expenses based on participation in this public call.
The Bank will notify the loan applicants who have been granted a loan based on a submitted application, to the e-mail address specified in the entity’s Current Financial Status.
The Bank will notify loan applicants whose loan applications have been rejected, with the reason for rejection, at the electronic address specified in the entity’s Current Financial Status certificate.
The Bank shall not individually notify loan applicants whose loan applications have been received after the funds have been exhausted.
The Bank will publish on its website the exhaustion of funds upon the Public Call.
All information and forms related to the public call can be found on the bank's website.