Micro business loans

OPEN NEW HORIZONS, INVEST IN YOUR BUSINESS, IMPLEMENT YOUR IDEAS, WE WILL SUPPORT YOUR SUCCESS.

Individuals, owners of micro and small businesses in the area of trade, services and retail production

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

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.