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 – 300,000 MKD |
Repayment period | 12, 24, 36 48 and 60 months |
Grace period | 1-6 months |
Interest | 11.00% annually, declining |
Administration fee | 2.0-3.0% of the loan amount |
Monthly management fee | from 0.34% to 0.52% 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 – 300,000 MKD |
Repayment period | 12, 18, 24, 36, 48 and 60 months |
Grace period | None |
Interest | 11.00% annually, declining |
Administration fee | 2.0% – 3.0% of the loan amount |
Monthly management fee | from 0.34% to 0.52% 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.