Objective of Credit Line
The aim of this credit line shall be to promote micro business initiatives of small and medium-sized enterprises.
Loan Beneficiaries
Potential beneficiaries of the loan funds shall be the existing and newly founded enterprises which are (at least 51%) privately owned, such as: micro and small scale enterprises, individual entrepreneurs, handicraft shops, private merchants, market counters, and other micro and small scale entities.
Purpose of Loans
Loan funds shall be used for purchasing equipment, construction works, land and working capital.
General Terms and Conditions
Micro loans:
- loan amount up to EUR 15,000
- entities having up to 20 employees
- repayment period not exceeding 24 months
Small loans:
- loan amount up to 50,000 EUR
- small enterprises having up to 100 employees
- repayment period not exceeding 48 months
The interest rate and repayment period shall be determined by the commercial bank depending on the type of business, credit rating of the borrower and some other factors.
Intermediary Banks
HALKBANK AD SKOPJECredit Depart.: 02/3240-844
Operator: 02/3240-800
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www.halkbank.mk/
SPARKASSE BANK Macedonia AD SKOPJECredit Depart.: 02/3200-528
Operator: 02/3200-500
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www.sparkasse.com.mk/
PROCREDIT BANK AD SKOPJECredit Depart.: 02/3219-927
Operator: 02/3219-900
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www.procreditbank.com.mk/
NLB BANKA AD SKOPJECredit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
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www.nlb.mk/
SAVING HOUSE MOZHNOSTI Credit Depart.: 02/2401-050
Operator: 02/2401-051
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www.moznosti.com.mk/
