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Micro business loans

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

Micro Agro Loans

Invest in greater and better quality production and provide a decent life for your loved ones.

Micro Housing Loans

Create a healthy and pleasant home for you and your loved ones.

CREDIT CALCULATOR

експозитури

 

Microcredit Foundation HORIZONTI
Blvd. St. Kliment Ohridski 58B, ent. 2, floor 3
1000 Skopje, Macedonia
Phone: +389 (0)2 309 3681
Fax: +389 (0)2 309 3376
E-mail: kontakt@horizonti.org.mk

BRANCH OFFICES NETWORK

експозитури