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Program for competitiveness support to SME (WeB-SME-CSP) with the component – investment incentives for the borrowers


In cooperation with the European Bank for Reconstruction and Development (EBRD) and the European Union (EU-IPA Funds) Komercijalna Banka AD Skopje offers a credit line for advancement of the competitiveness of companies. The aim of the program is support to micro, small and medium enterprises in the Republic of Macedonia for improvement of the competitiveness and harmonization with the technical standards in accordance with the EU legislation (EU Acquis Communautaire) in the field of environment protection, safety of workers, quality and safety at production work.


Ultimate beneficiaries of the funds from the credit line may be domestic companies from the private sector having employed up to maximum 249 employees and having annual turnover of up to EUR 50 million or total assets of up to EUR 43 million, including sole proprietors and natural persons- independent professionals in accordance with the law.


Amount of the credit line is up to EUR 5 million, while maximal amount of financing a single borrower shall be up to EUR 1 million (for one or more sub-loans) in one ore more banks.


Purpose of the funds shall be exclusively for fixed assets and for the part of working capital which are considered as part of the investment costs, VAD excluded, which mean introducing a novelty for the company as investment in industrial plants, equipment, software, improvement of management systems in enterprises and/or any kind of improvement in terms of harmonization with the directives of the EU in the field of environment protection, safety of workers, quality and safety at production work.


Benefits from the program for the ultimate beneficiaries: payment of investment incentives to the ultimate beneficiaries upon verification of the implementation of the sup-project to the extent of 15% from the lower value 1. Disbursed amount of the sub-project or 2. Investment costs for the sub-project VAT excluded, as well as technical assistance by including a Program consultant for preparation of the sub-projects from technological and financial aspects.

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