Direct Lending

Basic information

Direct lending implies that domestic companies apply directly to DBNM. The duration of the procedure from the submission of the complete documentation to the DBNM until the approval of the loan lasts not longer than one month.


Types of loans

Interest-free Credit Lines

 Loans to deal with the consequences of the energy and economic crisis as well as the Covid 19 crisis.

● EE Crisis Loan - Grant Component

● Covid 3 – Grant Component

● Covid 4 – Grant Component
Agricultural Loans – CF

Loans for domestic micro, small and medium-sized companies, whose main activity is primary production, processing of agricultural products, and export of agricultural products and their processing.
Financing Municipalities

Providing finance to municipalities that have signed an agreement for the implementation of projects from the IPA component for cross-border cooperation.
EP Crisis Loan

Working Capital Loan to support micro, small and medium enterprises, sole proprietors, and artisans affected by the energy and price crisis. Interest rate of 2% p.a. through DBNM.