Working Capital
SCF-COVID1
Credit line for reducing the impact of COVID-19 on the economy
Purpose of the credit line:
Providing financial support to legal entities aiming at reducing the consequences of Coronavirus COVID-19.
Loan Conditions:
• Repayment period: up to 2 years with 6 months grace period included
• Purpose: working capital and liquidity
• Method of repayment: quarterly
• Interest rate: 0% annually
• Amount: The maximum credit amount which will be approved to the borrower may not exceed MKD 1,845,000, and the minimum credit amount may not be less than MKD 184,000, thereby
1. the approved credit amount to companies with up to 10 employees may not exceed MKD 307,500;
2. the approved credit amount to companies with 11 to 50 employees may not exceed MKD 922,500;
3. the approved credit amount to companies with 51 to 250 employees may not exceed MKD 1.845,000
NOTE: The information on number of employees is taken from the Income Statement for the last fiscal year. In case such data does not exist, the applicant should submit a statement under full moral, material and criminal responsibility for the number of employees as at 31.12.2019.
Who can apply:
Eligible borrowers will be companies which are active in the class of activities from the List of classification of activities subject to financing from NCA (pursuant to the predominant activity of the company-Attachment 1) and fulfill the following criteria:
1. to be registered in the Republic of North Macedonia;
2. at least 51% are in private ownership;
3. do not have unpaid taxes and benefits unless they have been granted deferred payment of taxes and benefits in
accordance with special regulations and regularly pay them;
4. no bankruptcy or liquidation proceedings are instituted against them;
5. have been operating for more than 6 months and have submitted an annual account to the Central Register;
6. according to the financial statements for the last fiscal year, there is principal and reserves (stated in the balance
sheet) not less than 50% of the loan amount applied for;
7. according to the NBRMS Credit Registry data, as of January 31, 2020 are classified as better or equal to B
(average risk calculation is performed) or have no credit exposure;
8. the indicator of the company level of financial indebtedness should be less than 4 and is calculated as a ratio
between total liabilities from loans / principal and reserves.
The indicator is calculated on a balance sheet basis from the last fiscal year;
NOTE: The criteria referred to in paragraph 1, indents 8 and 9 above shall not apply to a sole proprietor.
Where to submit the loan application and other documents:
The application can only be sent electronically, directly to the DBNM at the email address: This email address is being protected from spambots. You need JavaScript enabled to view it..
Required Documents:
1. Loan Application (DBNM Form),
2. Application for registration of a client-legal entity (DBNM Form),
3. Company information from the Central Registry of the Republic of North Macedonia,
4. Annual statement (as of 31.12.2019),
5. Proof from the Public Revenue Office that there are no due and unpaid taxes and benefits to the country,
6. Proof from the Central Registry of RNM that there are no bankruptcy and liquidation proceedings instituted against them ,
7. ZP Form,
8. Statement for connected persons/entities (DBNM Form),
9. Statement on existence of the capacity holder of public functions (DBNM Form),
10. Statement for verification of credit exposure (DBNM Form).
Annex 1
List of activities from NCA which are eligible to apply
Group | Section |
49.10 | Passenger rail transport, interurban |
49.41 | Freight transport by road |
52.21 | Service activities incidental to land transportation |
52.24 | Cargo handling |
52.29 | Other transportation support activities |
55.1 | Hotels and similar accommodation |
55.10 | Hotels and similar accommodation |
55.2 | Holiday and other short-stay accommodation |
56.1 | Restaurants and mobile food service activities |
56.10 | Restaurants and mobile food service activities |
56.29 | Other food service activities |
56.3 | Beverage serving activities |
79.1 | Travel agency and tour operator activities |
79.11 | Travel agency activities |
79.12 | Tour operator activities |
49.31 | Urban and suburban passenger land transport |
49.39 | Other passenger land transport n.e.c. |
50.3 | Inland passenger water transport |
Lending Division contact phone:
02/3115-844, extension: 209, 105, 224, 123, 255, 225,115
ICL Revolving
Financing Permanent Working Capital from ICL Revolving Fund
The bilateral cooperation between the Governments of the Republic of North Macedonia and the Republic of Italy resulted in signing of the Financial Convention for approval of a commodity credit line in an amount of EUR 12.7 million.
The credit line was completely utilized and closed by 2007. A Revolving Fund was established by the repaid funds which are used for financing of working capital.
Loan Beneficiaries
Beneficiaries of the loans from the Revolving Fund shall be small and medium-sized companies from the Republic of North Macedonia which are 51% privately owned.
Purpose of Loans
Revolving Fund loans shall be used for financing of permanent working capital.
General Terms and Conditions
Purpose: |
Financing working capital |
Amount per project: | Minimum amount: EUR 50,000 Maximum amount: EUR 400,000 |
Repayment period: | Up to 3 years, grace period of 6 months included |
Interest rate for the final borrower: | 6% p.a. |
Final borrower: | Companies over 51% in private ownership |
Bans and exclusions: |
Financing of:
|
Collateral: |
|
Required Documents
1. Loan Application
2. Company information from the Central Registry of the Republic of North Macedonia
3. Copy of the proof for ownership of the offered collateral and its evaluation
4. Annual statements for minimum of the last two years
5. Business Plan / Investment Programme
6. Other documents in compliance with the business policy of the commercial bank
Intermediary Banks

Credit Depart.: 02/3240-844
Operator: 02/3240-800
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.halkbank.mk/

Contact Center: 02/3200-520
Operator: 02/3200-576
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.sparkasse.com.mk/

Credit Depart.: 02/3168-504
Operator: 02/3168-168
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.kb.com.mk/

Credit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.nlb.mk/

Credit Depart.: 02/3219-927
Operator: 02/3219-900
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.procreditbank.com.mk/

Credit Depart.: 047/207-522
Operator: 047/207-500
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stbbt.com.mk/

Credit Depart.: 02/3295-524
Operator: 02/3295-295
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stb.com.mk/

Credit Depart.: 02/3286-025
Operator: 02/3286-100
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.unibank.com.mk/

Credit Depart.: 02/3236-456
Operator: 02/3236-400
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ttk.com.mk/

Credit Depart.: 02/3249-360
Operator: 02/3249-302
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ccbank.mk/
DBNM
Financing Permanent Working Capital from DBNM funds
PurposeofLoans
Loan funds shall be used to provide support to the enterprises in permanent working capital.
Loan Beneficiaries
Potential beneficiaries shall be companies which are more than 51% privately owned and which are registered in the Republic of North Macedonia.
Purpose of Loans
Financing of working capital.
General Terms and Conditions
Purpose: | Purchasing working capital |
Loan amount | Minimum amount: EUR 30,000 Maximum amount: EUR 300,000 |
Repayment period: | Up to 3 years, 6-month grace period included |
Fixed interest rate for the final borrower: |
6,5% p.a. |
Variable interest rate for the final borrower: |
3,75% p.a. (at the moment) |
Final borrower: | Companies more than 51% privately owned |
Manner of repayment: | Monthly repayment, quarterly repayment, semi-annual repayment or repayment according to a plan which is specifically fixed and defined in advance |
Priority final borrower: |
|
Bans and exclusions |
Projects for:
|
Required Documents
1. Loan Application and Business Plan / Investment Programme
2. Company information from the Central Registry of the Republic of North Macedonia
3. Copy of the proof for ownership of the offered collateral and its evaluation
4. Annual statements for minimum of the last two years
5. List of largest debtors and creditors to the final borrower
6. List of the management bodies’ members, size of company, number of employees, parts of the entity in the country and abroad
Intermediary Banks

Credit Depart.: 02/3240-844
Operator: 02/3240-800
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.halkbank.mk/

Contact Center: 02/3200-520
Operator: 02/3200-576
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.sparkasse.com.mk/

Credit Depart.: 02/3168-504
Operator: 02/3168-168
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.kb.com.mk/

Credit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.nlb.mk/

Credit Depart.: 02/3219-927
Operator: 02/3219-900
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.procreditbank.com.mk/

Credit Depart.: 047/207-522
Operator: 047/207-500
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stbbt.com.mk/

Credit Depart.: 02/3295-524
Operator: 02/3295-295
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stb.com.mk/

Credit Depart.: 02/3286-025
Operator: 02/3286-100
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.unibank.com.mk/

Credit Depart.: 02/3236-456
Operator: 02/3236-400
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ttk.com.mk/

Credit Depart.: 02/3249-360
Operator: 02/3249-302
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ccbank.mk/
EIB 5 - 100,000,000
Financing Permanent Working Capital from EIB 5 - EUR 100,000,000
General Terms and Conditions
Single loan amount |
|
Repayment period: | Up to 3 years |
Grace period included: | Up to 6 months |
Interest rate for the final borrower: | Up to 1.6% p.a. |
Manner of repayment: | Quarterly |
Participation of EIB funds in project financing: |
Up to 100% |
Disbursement to and repayment by the intermediary bank: |
Foreign currency (EUR) |
Purpose: | To fulfill the increasing working capital needs |
Priority final borrower: |
|
Bans and exclusions: |
Fields excluded from financing with this product are:
|
Miscellaneous: | Number of employees should not diminish during the repayment period |
Management fee for the intermediary bank: |
The intermediary bank may charge the final borrower a management fee of 1.0% one-off |
Required documents
1. Loan Application and Business Plan / Investment Programme
2. Company information from the Central Registry of the Republic of North Macedonia
3. Copy of the proof for ownership of the offered collateral and its evaluation
4. Annual statements for minimum of the last two years
5. List of largest debtors and creditors to the final borrower
6. List of the management bodies’ members, size of company, number of employees, parts of the entity in the country and abroad
Intermediary Banks

Credit Depart.: 02/3168-504
Operator: 02/3168-168
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.kb.com.mk/

Credit Depart.: 02/3295-524
Operator: 02/3295-295
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stb.com.mk/

Credit Depart.: 047/207-522
Operator: 047/207-500
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stbbt.com.mk/

Credit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.nlb.mk/

Credit Depart.: 02/3219-927
Operator: 02/3219-900
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.procreditbank.com.mk/

Credit Depart.: 02/3240-844
Operator: 02/3240-800
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.halkbank.mk/

Contact Center: 02/3200-520
Operator: 02/3200-576
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.sparkasse.com.mk/

Credit Depart.: 02/3286-025
Operator: 02/3286-100
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.unibank.com.mk/

Credit Depart.: 02/3249-360
Operator: 02/3249-302
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ccbank.mk/

Credit Depart.: 02/3236-456
Operator: 02/3236-400
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ttk.com.mk/
EIB 6-100.000.000
Financing Permanent Working Capital from EIB 6 - EUR 100,000,000
General terms and conditions
Single loan amount for final borrower: |
Minimum amount of EUR 5,000 |
Repayment period: |
Up to 3 years |
Grace period included: |
Up to 6 months |
Interest rate for the final borrower: |
Up to 1.6% p.a. |
Manner of repayment: |
Quarterly |
Participation of EIB funds in project financing: |
Up to 100% |
Disbursement to and repayment by the intermediary bank: |
Foreign currency (EUR) |
Purpose: |
To fulfill the increasing working capital needs |
Bans and exclusions: |
Fields excluded from financing with this product are:
|
Miscellaneous: |
Number of employees should not diminish during the repayment period |
Management fee for the intermediary bank: |
The intermediary bank may charge the final borrower a management fee of 1,0% one-off |
Required documents:
- Loan application and Business Plan / Investment Programme
- Company information from the Central Registry of the Republic of North Macedonia
- Copy of the proof for ownership of the offered collateral and and its evaluation
- Annual statements for minimum of the last two years
- List of largest debtors and creditors to the final borrower
- List of management bodies' members, size of company, number of employees, parts of the entity in the country and abroad
- Other documents on the request of the bank.
Investments
ICL Revolving
Financing Investments from ICL Revolving fund
Purpose of Loans
The bilateral cooperation between the Governments of the Republic of North Macedonia and the Republic of Italy resulted in signing of the Financial Convention for approval of a Commodity Credit Line in an amount of EUR 12.7 million. The credit line was completely utilized and closed by 2007. A Revolving Fund was established by the repaid funds which are used for financing SMEs investments.
Loan Beneficiaries
Beneficiaries of the loans from the Revolving Fund shall be small and medium-sized companies from the Republic of North Macedonia which are 51% privately owned.
Purpose of Loans
Revolving Fund loans shall be used for financing construction works, equipment and working capital.
General Terms and Conditions
Purpose: | Financing of working capital |
Loan amount: |
Minimum amount: EUR 50,000 |
Repayment period: | Up to 6 years, grace period up to 12 months included |
Interest rate for the final borrower: |
6% p.a. |
Final borrower: | Companies which are more than 51% privately owned |
Bans and exclusions: |
Financing of:
|
Collateral: |
|
Required Documents
1. Loan Application
2. Company information from the Central Registry of the Republic of North Macedonia
3. Copy of the proof for ownership of the offered collateral and its evaluation
4. Annual statements for minimum of the last two years
5. Business Plan / Investment Programme
6. Other documents in compliance with the business policy of the commercial bank
Intermediary Banks

Credit Depart.: 02/3240-844
Operator: 02/3240-800
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.halkbank.mk/

Contact Center: 02/3200-520
Operator: 02/3200-576
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.sparkasse.com.mk/

Credit Depart.: 02/3168-504
Operator: 02/3168-168
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.kb.com.mk/

Credit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.nlb.mk/

Credit Depart.: 02/3219-927
Operator: 02/3219-900
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.procreditbank.com.mk/

Credit Depart.: 047/207-522
Operator: 047/207-500
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stbbt.com.mk/

Credit Depart.: 02/3295-524
Operator: 02/3295-295
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stb.com.mk/

Credit Depart.: 02/3286-025
Operator: 02/3286-100
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.unibank.com.mk/

Credit Depart.: 02/3236-456
Operator: 02/3236-400
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ttk.com.mk/

Credit Depart.: 02/3249-360
Operator: 02/3249-302
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ccbank.mk/
DBNM
Financing Investments from DBNM Funds
Purpose of Loans
The loan funds shall be used for financing investments and development of small and medium sized enterprises.
Loan Beneficiaries
Potential loan beneficiaries shall be companies registered in the Republic of North Macedonia which capital is more than 51% privately owned and which number of employees is up to 250.
Purpose of Loans
- Minimum 50% of the loan amount shall be used for purchasing fixed assets.
- Maximum 50% of the loan amount shall be used for financing working capital.
General Terms and Conditions
Loan amount: | Minimum amount: EUR 10,000 Maximum amount: EUR 500,000 |
Repayment period: | Up to 11 years, 1-year grace period included |
Fixed interest rate for the final borrower: |
6,5% p.a. |
Variable interest rate for the final borrower: |
3,75% p.a. (at the moment) |
Priority final borrower: | Companies which are 51% privately owned |
Manner of repayment: |
Monthly repayment, quarterly repayment, semi-annual repayment or repayment according |
Bans and exclusions: |
Fields excluded are:
|
Required Documents
1. Loan Application and Business Plan / Investment Programme
2. Company information from the Central Registry of the Republic of North Macedonia
3. Copy of the proof for ownership of the offered collateral and its evaluation
4. Annual statements for minimum of the last two years
5. List of largest debtors and creditors to the final borrower
6. List of the management bodies’ members, size of company, number of employees, parts of the entity in the country and abroad
Intermediary Banks

Credit Depart.: 02/3240-844
Operator: 02/3240-800
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.halkbank.mk/

Contact Center: 02/3200-520
Operator: 02/3200-576
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.sparkasse.com.mk/

Credit Depart.: 02/3168-504
Operator: 02/3168-168
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.kb.com.mk/

Credit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.nlb.mk/

Credit Depart.: 02/3219-927
Operator: 02/3219-900
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.procreditbank.com.mk/

Credit Depart.: 047/207-522
Operator: 047/207-500
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stbbt.com.mk/

Credit Depart.: 02/3295-524
Operator: 02/3295-295
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stb.com.mk/

Credit Depart.: 02/3286-025
Operator: 02/3286-100
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.unibank.com.mk/

Credit Depart.: 02/3236-456
Operator: 02/3236-400
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ttk.com.mk/

Credit Depart.: 02/3249-360
Operator: 02/3249-302
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ccbank.mk/
EIB 5 - 100,000,000
Financing Investments for Small and Medium Enterprises from EIB 5 – EUR 100,000,000
General Terms and Conditions
Loan amount for final borrower: |
|
Repayment period: | Up to 12 years |
Interest rate for the final borrower: |
Up to 1.6% p.a. |
Grace period included: | Up to 24 months |
Manner of repayment: | Quarterly |
Participation of EIB funds in project financing: |
Up to 100% |
Disbursement to and repayment |
Foreign currency (EUR) |
Purpose: |
Financing identified projects:
|
Priority final borrower: |
|
Bans and exclusions: |
Fields excluded from financing with this product are:
|
Miscellaneous: | Number of employees should not diminish during the repayment period |
Management fee for the intermediary bank: |
The intermediary bank may charge the final borrower a management fee of 1.0% one-off |
Required Documents
1. Loan Application and Business Plan / Investment Programme
2. Company information from the Central Registry of the Republic of North Macedonia
3. Copy of the proof for ownership of the offered collateral and its evaluation
4. Annual statements for minimum of the last two years
5. List of largest debtors and creditors to the final borrower
6. List of the management bodies’ members, size of company, number of employees, parts of the entity in the country and abroad
Intermediary Banks

Credit Depart.: 02/3168-504
Operator: 02/3168-168
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.kb.com.mk/

Credit Depart.: 02/3295-524
Operator: 02/3295-295
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stb.com.mk/

Credit Depart.: 047/207-522
Operator: 047/207-500
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.stbbt.com.mk/

Credit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.nlb.mk/

Credit Depart.: 02/3219-927
Operator: 02/3219-900
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.procreditbank.com.mk/

Credit Depart.: 02/3240-844
Operator: 02/3240-800
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.halkbank.mk/

Contact Center: 02/3200-520
Operator: 02/3200-576
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.sparkasse.com.mk/

Credit Depart.: 02/3286-025
Operator: 02/3286-100
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.unibank.com.mk/

Credit Depart.: 02/3249-360
Operator: 02/3249-302
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ccbank.mk/

Credit Depart.: 02/3236-456
Operator: 02/3236-400
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ttk.com.mk/
EIB 6 - 100.000.000
Financing Investments for Small and Medium Enterprises from EIB 6 – EUR 100,000,000
General terms and conditions
Single loan amount for final borrower: |
Minimum amount of EUR 10,000 |
Repayment period: |
Up to 12 years |
Grace period included: |
Up to 24 months |
Manner of repayment: |
Quarterly |
Participation of EIB funds in project financing: |
Up to 100% |
Disbursement to and repayment by the intermediary bank: |
Foreign currency (EUR) |
Purpose: |
Support for identified projects such as follows:
Investments in intangible assets (development, planning and financing in construction phase as |
Bans and exclusions: |
Fields excluded from financing with this product are:
|
Miscellaneous: |
Number of employees should not diminish during the repayment period |
Interest rate for the final borrower: |
Up to 1.6 % p.a. |
Management fee for the intermediary bank: |
The intermediary bank may charge the final borrower a management fee of 1,5% one-off |
Required documents:
-
- Loan application and Business Plan / Investment Programme
- Company information from the Central Registry of the Republic of North Macedonia
- Copy of the proof for ownership of the offered collateral and and its evaluation
- Annual statements for minimum of the last two years
- List of largest debtors and creditors to the final borrower
- List of management bodies' members, size of company, number of employees, parts of the entity in the country and abroad
- Other documents on the request of the bank.
"Mid-cap" companies
EIB 6-100.000.000
Financing Investments for (mid-cap) companies with 250-3,000 employees from EIB 6 - 100,000,000
General terms and conditions
Single loan amount for final borrower: |
EUR 6,000,000 |
Repayment period: |
Up to 8 years |
Grace period included: |
Up to 24 months |
Manner of repayment: |
Quarterly |
Disbursement to and repayment by the intermediary bank: |
Foreign currency (EUR) |
Purpose: |
Support for projects in the field of so-called knowledge base economy, energy, ecology, |
Bans and exclusions: |
Fields excluded from financing with this product are:
Note: alterations are possible only with the approval of the EIB |
Miscellaneous: |
Number of employees should not diminish during the repayment period |
Interest rate for the final borrower: |
Up to 1,6 % p.a. |
Required documents:
-
- Loan application and Business Plan / Investment Programme
- Company information from the Central Registry of the Republic of North Macedonia
- Copy of the proof for ownership of the offered collateral and and its evaluation
- Annual statements for minimum of the last two years
- List of largest debtors and creditors to the final borrower
- List of management bodies' members, size of company, number of employees, parts of the entity in the country and abroad
- Other documents on the request of the bank.
Priority
Priority EIB 5
Financing Priority Projects Investments from EIB 5 – EUR 100,000,000
General Terms and Conditions
Loan amount for final borrower: |
EUR 6,000,000 |
Repayment period: | Up to 12 years |
Interest rate for the final borrower: |
Up to 1.6% p.a. |
Grace period included: | Up to 24 months |
Manner of repayment: | Quarterly |
Participation of EIB funds in project financing: |
Up to 50% |
Disbursement to and repayment |
Foreign currency (EUR) |
Purpose: |
To provide support in the area of knowledge base economy, energy, ecology, |
Bans and exclusions: |
Fields excluded from financing with this product are:
|
Miscellaneous: | Number of employees should not diminish during the repayment period |
Required Documents
1. Loan Application and Business Plan / Investment Programme
2. Company information from the Central Registry of the Republic of North Macedonia
3. Copy of the proof for ownership of the offered collateral and its evaluation
4. Annual statements for minimum of the last two years
5. List of largest debtors and creditors to the final borrower
6. List of the management bodies’ members, size of company, number of employees, parts of the entity in the country and abroad
Intermediary Banks

Credit Depart.: 02/3168-504
Operator: 02/3168-168
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www.kb.com.mk/

Credit Depart.: 02/3295-524
Operator: 02/3295-295
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www.stb.com.mk/

Credit Depart.: 047/207-522
Operator: 047/207-500
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www.stbbt.com.mk/

Credit 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/

Credit Depart.: 02/3219-927
Operator: 02/3219-900
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www.procreditbank.com.mk/

Credit Depart.: 02/3240-844
Operator: 02/3240-800
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www.halkbank.mk/

Contact Center: 02/3200-520
Operator: 02/3200-576
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www.sparkasse.com.mk/

Credit Depart.: 02/3286-025
Operator: 02/3286-100
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www.unibank.com.mk/

Credit Depart.: 02/3249-360
Operator: 02/3249-302
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www.ccbank.mk/

Credit Depart.: 02/3236-456
Operator: 02/3236-400
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www.ttk.com.mk/