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Approval procedure

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 3,500,000
		repayment term	up to 7 years
		grace period	up to 2 year
		way of repayment	on quarterly basis
Interest rate p.a.		5,5% p.a. annual
Fees		off fee to the extend of 1.5% before reimbursement 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	support to applications for permanent increase of the needs for working capital in conditions of expansion of the company’s business activities
Loan terms	currency	in EUR
	amount of individual loan	up to EUR 666,700
	repayment term	from 2 to 3 years
	grace period	up to 6 months
	way of repayment	on quarterly basis
Interest rate p.a.	5,5% p.a. annual
Fees	off fee to the extend of 1.0% before reimbursement 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 12,000,000
	repayment term	up to 7 years
	grace period	up to 36 months
	way of repayment	on quarterly basis
Interest rate p.a.	5,5% p.a. annual
Fees	1% one-off payment prior to loan funds disbursement

GENERAL CONDITIONS
Eligible borrowers	All small and medium size enterprises with employees number not exceeding 250, except for priority projects where companies of any size are eligible
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 which restraints (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
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 2 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

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