Fast and flexible financing for legal entities

The “Partener Express” Loan is designed for resident economic agents of the Republic of Moldova that carry out stable economic activity and require financing to support their current operations or to implement development projects.

Who can benefit from the loan

Applications may be submitted by economic agents who:

• are residents of the Republic of Moldova;
• have been operating for at least 6 months;
• record net profit for the reporting period;
• have positive equity;
• do not have a negative credit history;
• demonstrate a stable financial position, in accordance with the Bank’s criteria.

Eligible financing purposes

The loan may be used for:

• replenishment of working capital;
• acquisition of fixed assets (machinery, equipment, production-purpose real estate);
• technical re-equipment, modernization, and reconstruction of production processes;
• development of new technologies or products;
• other economic purposes declared and approved by the Bank;
• refinancing of existing loans contracted from other commercial banks, provided there are no overdue amounts and the initial purpose falls within the scope of the product.

Loan amount and currency

• Minimum amount: MDL 50,000 (or equivalent);
• Maximum amount: MDL 400,000 (or equivalent);
• Loan currency:
  • MDL;
  • EUR (linked to EUR, with the equivalent amount indicated in MDL);
  • USD (linked to USD, with the equivalent amount indicated in MDL).

Note: The Bank’s total exposure related to unsecured loans granted to a single client (excluding overdrafts) may not exceed MDL 500,000.

Loan term

• Up to 24 months (inclusive), depending on the type of loan and the financial analysis.

Disbursement method

• loan granted as a lump sum;
• or in tranches, within the approved limit;
• possibility of granting the loan in the form of a credit line, including a revolving credit line.

Loan repayment

• Loan repayment is made on a monthly basis, in accordance with the established schedule:
  • equal installments (annuity);
  • individual installments, tailored to the company’s cash flow;
• in the case of a credit line, the available limits must be reduced at least 6 months prior to maturity;
• interest and fees are payable monthly.