• Documents


  • Approval procedure



Contact
contact@kb.com.mk

contact center:
(02) 3 296 800

Credit line realized through MBDP for participation in the program for lending to small and medium enterprises and priority projects in the amount of EUR 100,000,000



The loan from the program for lending to small and medium enterprises is intended for all small and medium enterprises from the manufacture and production-service industries.

PRODUCT 1

Name of the product SME investment loans from EIB
Purpose
(support to identified projects as follows)
purchase of material assets
  • real estate (except land)
  • equipment
  • working capital (not over 30% from the value of the loan)
investment in non-material assets development, planning and financing in construction phase as well as expenses for salaries and other connected with the phase of research and development
Loan terms currency in EUR
amount of individual loan

up to EUR 6,000,000  

repayment term up to 12 years
grace period up to 2 year
way of repayment on quarterly basis
Interest rate p.a.
  • 3.2% p.a. annual  
Fees 0.8% one off on the approved loan amount 
0.25% annually on the principal amount of the loan
Possibility for refinancing investment completed not over than 6 months from the date of submission of the application



PRODUCT 2

Name of the product SME loans for permanent working capital from EIB
Purpose for working capital in conditions of expansion of company’s business activities
Loan terms currency in EUR
amount of individual loan

up to EUR 6,000,000

repayment term from 2 to 3 years
grace period up to 6 months
way of repayment on quarterly basis
Interest rate p.a.
  • 3.2% p.a. annual  
Fees 0.8% one off on the approved loan amount
0.25% annually on the principal amount of the loan



PRODUCT 3

Name of the product Priority projects
Purpose Financial support for projects submitted by the ultimate beneficiaries of any size or ownership type performing their business lines in the sphere of energy, environment, industry, health protection, education, services and tourism
Loan terms currency in EUR
amount of individual loan up to EUR 25,000,000
repayment term up to 10 years
grace period up to 24 months
way of repayment on quarterly basis
Interest rate p.a.
  • 3.2% p.a. annual  
Fees 0.8% one off on the approved loan amount
0.25% annually on the principal amount of the loan




GENERAL CONDITIONS

 

Eligible borrowers All small and medium size enterprises with number of employees not exceeding 250, companies with employees from 250 up to 3000 and privately owned companies with number of employees above 3000
Bans and exclusions
(This credit line shall not be used to support projects from the domain of)
  •  production of weapon and ammunition arms, military and police equipment or infrastructure (e.g. prison or any form of custody centers)

  • gambling houses, games of chance and any other types of related equipment

  • production, processing and distribution of tobacco

  •  activities involving live animals for experimental and scientific purposes

  • activities involving adverse environmental impact 

  •  industry branches which are ethically controversial (for example: researches related to human cloning)

  •  development of real estate related activities

  • other projects that according to EIB’s policy and Komercijalna banka’s excluded and banned trade activities regulated with mutual agreement for the credit line        

Loan security the loan shall be secured by usual security instruments in accordance with the Bank’s Credit Policy (mortgage on real estate, pledge of movable property, bills of exchange etc.)
Loan disbursement the loan shall be disbursed within 3 months from the date of its approval
Fees for premature repayment fees for premature repayment of the loan is 3% from the amount being repaid before the maturity date


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

Ivona Doneva, Foreign currency Loans and Foreign currency Guarantees Department Manager
Phone: (+389 2) 3168-619; (+389 75) 421-026
Fax: (+389 2) 3220 981
e-mail: ivona.doneva@kb.com.mk
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