OPEN NEW HORIZONS, INVEST IN YOUR BUSINESS, IMPLEMENT YOUR IDEAS, WE WILL SUPPORT YOUR SUCCESS.
BENEFICIARIES:
Individuals, owners of micro and small businesses in the area of trade, services and retail production
PURPOSE:
- Purchase of fixed assets
- Working capital
- Other business-related purposes
WHAT DO YOU GET FROM US !
- Council for selecting a credit product tailored to the needs and capacity of the business;
- Fast and easy access to liquid assets
- Additional services and information targeted to business promotion
- Additional funding before expiration of the loan
BUSINESS LOANS
STANDARD
| Target Groups |
Owners or managers of micro and small businesses in the area of commerce, services and retail production. A woman is beneficiary of the loan. |
| Purpose |
For working capital, small inventory and other presenting business expenses |
| Criteria |
- at least 6 months of business operation
- forming a solidarity group of at least 3 members
- maximum 2 employees and business value of up to 10,000 Euros
- fulfills creditworthiness requirements according to the financial analysis of the business
|
| Amount |
10,000 – 90,000 MKD |
| Repayment period |
6, 8, 10 and 12 months |
| Grace period |
None |
| Interest |
0% monthly, fixed |
| Administration fee |
None |
| Monthly management fee |
1.60% – 2.0% monthly, depending on the loan amount |
| Security |
- Bill of exchange signed by all solidarity debtors in the form of a notary public act
|
| Other charges |
For early repayment under the contract |
PREMIUM
| Target Groups |
Owners or managers of micro and small businesses in the area of commerce, services and retail production. A woman is beneficiary of the loan. |
| Purpose |
For working capital, small inventory, renovation and other presenting business expenses |
| Criteria |
- at least 6 months of business operation
- maximum 5 employees, business value of up to 15,000 Euros for trade and 35,000 Euros for production and services
- fulfills creditworthiness requirements according to the financial analysis of the business
|
| Amount |
60,000 – 450,000 MKD |
| Repayment period |
12, 24, 36 48 and 72months |
| Grace period |
1-6 months |
| Interest |
7.9% annually, declining |
| Administration fee |
1.5-2% of the loan amount |
| Monthly management fee |
from 0.8% to 1.9% monthly, depending on the loan amount |
| Security |
- Guarantors – administrative ban on salary, with full-time employment
- Bill of exchange by notary public act, with one or two guarantors
|
| Other charges |
0 or 3.0% charge for early repayment of the loan |
INVEST
|
Target Groups
|
Owners or managers of micro and small businesses in the area of commerce, services and retail production. A woman is beneficiary of the loan. |
| Purpose |
For purchase of fixed assets |
| Criteria |
- At least 6 months business operation
- Registered and non-registered businesses with a fixed location
- maximum 5 employees, business value of up to 15,000 Euros for trade and 35,000 Euros for production and services
- fulfills creditworthiness requirements according to the financial analysis of the business
|
| Amount |
120,000 – 450,000 MKD |
| Repayment period |
12, 18, 24, 36, 48 and 72months |
| Grace period |
None |
| Interest |
7.9% annually, declining |
| Administration fee |
1.5% – 2.0% of the loan amount |
| Monthly management fee |
from 0.8% to 1.09% monthly, depending on the loan amount |
| Security |
- Guarantors – administrative ban on salary, with full-time employment
- Bill of exchange by notary public act, with one or two guarantors
|
| Other charges |
0 or 3.0% charge for early repayment of the loan |
Invest in greater and better quality production and provide a decent life for your loved ones.
Create a healthy and pleasant home for you and your loved ones.
Council of Europe Development Bank – CEB
