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 amounts: minimum EUR 10.000, maximum EUR 300,000
- repayment period up to 15 years, 1-year grace period included
- manner of repayment: quarterly and/or semmi-annual
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/
