Intermediated Lending

Basic information

Intermediated lending means a commercial bank, or another financial intermediary extends a loan from the DBNM and lends this money to SMEs in RNM. The duration of the procedure, from the submission of the complete documentation to the intermediary bank, to the approval of the loan, lasts no longer than one month.


Types of loans

Interest-free Credit Lines

Loans for dealing with the consequences of the energy and economic crisis.
● Working Capital-Energy Products-IB
Loans for digitalization and digital transformation

Loans for digitalization and digital transformation for investments to support micro and SMEs. Interest rate up to 2.9% per annum.

 
EIB 5 credit line

For permanent working capital and investments for SMEs with an interest rate of up to 1.6% per annum. The amount of the credit line is EUR 100 million.
Financing ЕЕ & RES

Financing energy efficiency and renewable energy sources to support micro, SME, sole proprietors, and artisans for investments. Interest rate up to 1.6% per annum.
EIB 6 Credit Line

For permanent working capital and investments for SMEs with an interest rate of up to 1.6% per annum. The amount of the credit line is EUR 100 million.
Financing EE & RES - DBNM's own funds

Financing energy efficiency and renewable energy sources to support micro, SME, sole proprietors, and artisans for investments using DBNM funds. Interest rate up to 2.9% per annum.
EIB 7 Credit Line

For permanent working capital and investments for SMEs and mid-cap companies with an interest rate of up to 3.5% per annum. The amount of the credit line is EUR 100 million.
Interest Subsidy

Subsidizing the interest on commercial bank loans approved to companies that have reinvested their profits.
AFD Credit Line

To support female entrepreneurship, green investments, and digitization. Fixed annual interest rate up to 3.5%. The amount of the credit line is EUR 50 million.
Agricultural loans - АCDF

For primary production, processing, and export of agricultural products and their processing. The interest rate is from 4% to 6.5% per annum.
DBNM Credit Line

For permanent working capital and investments for SMEs with over 51% in private ownership. The fixed annual interest rate is 6.5% and 6% for export, while the variable annual rate is 3.75%.