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Contact           24/7
contact@kb.com.mk

contact center:
(02) 3 296 800

Credit line for development support to micro, small and medium-sized enterprises, support to export and for permanent working capital through the Macedonian Bank for Development Promotion



Loans from the credit line of MBDP intended for development support to micro, small and medium-sized enterprises (SME), support to export and for permanent working capital intended for all micro, small and medium-sized enterprises from the manufacturing and production- service sector.

PRODUCT 1

Name of the product Loans for development of micro and SME
Purpose
(support to identified projects)
Purchase of material assets
  • Purchase of fix assets, estates and land for construction of a business building, equipment (minimum 50% of the loan amount)
  • Working capital (maximum 50% of the loan amount)
investments in intangible assets
  • development, planning and financing in phase of construction, as well as salary expenses and other related to the research and development phase
Loan terms loan currency
  • in MKD with FX clause, or
  • in EUR
amount of individual loan

from EUR 10.000 to EUR 500.000

repayment term up to 11 years
grace period up to 1 year
repayment manner on quarterly basis
Interest rate
  • for loans approved in MKD with FX clause: 6,5% p.a.
  • for loans approved in EUR: three-month EURIBOR + 3,75% p.a., variable
Fees 1% from the loan amount, one-off payment, before the loan disbursement



PRODUCT 2

Name of the product Trade finance facilities (TFF)
Purpose For working capital for preparation of production intended for export and for working capital after export
Loan terms loan currency
  • in MKD with FX clause, or
  • in EUR
amount of individual loan

from EUR 15.000 to EUR 2.000.000

repayment term up to 2 years
grace period no grace period
repayment manner on quarterly basis
Interest rate
  • for loans approved in MKD with FX clause: 6,0% p.a.
  • for loans approved in EUR: three-month EURIBOR + 3,75% p.a., variable
Fees 1% from the loan amount, one-off payment, before the loan disbursement



PRODUCT 3

Name of the product Loans for permanent working capital (PWC)
Purpose Provision of working capital
Loan terms loan currency
  • in MKD with FX clause, or
  • in EUR
amount of individual loan from EUR 15.000 to EUR 300.000
repayment term up to 3 years
grace period u to 6 months
repayment manner on quarterly basis
Interest rate
  • for loans approved in MKD with FX clause: 6,5% p.a.
  • for loans approved in EUR: three-month EURIBOR + 3,75% p.a., variable
Fees 1% from the loan amount, one-off payment, before the loan disbursement




GENERAL CONDITIONS

 

Eligible borrowers All micro, small and medium-sized enterprises whose number of employees does not exceed 250, with down payment of at least 15% of the amount of the project
Bans and exclusions
(projects excluded from financing)
  • export of weapons,
  • games of chance and hazard,
  • activities having impact on the environment and which do not meet the regulations for environment protection,
  • export of wildlife or cloned animals,
  • trade with harmful radioactive waste,
  • projects which includes exploitation forms of forced work and abuse of children,
  • projects in protected zones and regions of scientific importance,
  • activities forbidden by international conventions regarding protection of biological sources or cultural heritage.
Security Loans are secured by usual security instruments pursuant to the Credit Policy of the Bank (mortgage on real estate, pledge of movables, bills of exchange etc.)
Loan validity term Within 3 months from the date of the first remittance of proceeds
Fees for early loan repayment 0,125% from the amount repaid before maturity


Contact persons



Ilija Mircevski, Chief Coordinator for Corporate Lending
Phone: (+389 2) 3168-504
Fax: (+389 2) 3247-468
e-mail: ilija.mircevski@kb.com.mk

Elena Spirovska, Manager of Agriculture Lending Department
Phone: (+389 2) 3168-509
e-mail: elena.spirovska@kb.com.mk