Financing for your business’s day-to-day operations

Loan “Capital Curent” is designed for legal entities (excluding agricultural producers) — both existing and new clients — who need financing to support their current business activities or to refinance existing loans.

Purpose and benefits

The Loan offers:

• financing for working capital and operational expenses;
• the possibility to refinance existing loans (with no overdue payments);
• flexible conditions for the use of funds;
• fast access to financing tailored to business needs.

Eligibility

Business entities (excluding agricultural producers) may apply if they:

• are residents of the Republic of Moldova;
• have been carrying out economic activity for at least 6 months;
• record net profit for the reporting period and the previous year;
• have positive equity;
• have no negative credit history;
• have net current assets exceeding current liabilities
  (except for companies operating in the services or IT sectors).

Loan amount and currency

• Minimum amount: MDL 50,000 (equivalent);
• Maximum amount: determined individually, depending on the financing needs and the applicant’s financial and economic assessment.
• Loan currency:
  • MDL;
  • EUR (linked to EUR, with the MDL equivalent indicated);
  • USD (linked to USD, with the MDL equivalent indicated).

Loan tenor

• up to 24 months (inclusive).

Security

The Loan may be secured by:

• mortgage over immovable and/or movable assets;
• pledge of inventories, where applicable;
• ODA guarantee, ensuring coverage of at least 100% of the loan amount;
• founders’ guarantee (minimum shareholding of 20%).

Disbursement and repayment

• the loan is granted as a lump sum or in tranches;
• monthly repayment through:
  • equal installments (annuity);
  • a repayment schedule adapted to the financed project;
• a grace period of up to 6 months may be granted, where applicable.