Sustainable financing for the modernization and development of your business

EuroCreditBank, in partnership with FACEM and Bank Gospodarstwa Krajowego (BGK), offers Small and Medium-Sized Enterprises in the Republic of Moldova a financing program dedicated to sustainable investments, focused on energy efficiency, green transition, and adaptation to climate change.

The FACEM – BGK Investments Program supports companies that aim to modernize their equipment, reduce energy consumption, and implement innovative solutions for a sustainable future.

Who the program is for

The program is intended for SMEs that:

• are registered and operating in the Republic of Moldova;
• are not subject to insolvency, reorganization, or liquidation procedures;
• carry out eligible investments in the field of energy efficiency and/or climate change adaptation;
• have repayment capacity in accordance with the bank’s criteria.

What types of investments can be financed

1. Energy efficiency investments

• heat pumps (all types);
• high-efficiency condensing natural gas boilers;
• small-scale cogeneration and trigeneration units;
• solar collectors for hot water production;
• photovoltaic panels, inverters, and energy storage systems;
• electric motors with frequency converters;
• air handling units with heat recovery;
• energy consumption monitoring and control technologies;
• thermal insulation of buildings, replacement of windows and doors;
• modernization of ventilation and air conditioning systems;
• other equipment contributing to the reduction of electricity consumption.

2. Climate change adaptation investments

• construction and/or modernization of water management infrastructure;
• dams, water intake facilities, treatment and purification plants;
• distribution networks and pumping stations;
• equipment for loss detection and network sectorization;
• telemanagement systems and laboratory equipment;
• other measures aimed at reducing greenhouse gas emissions.

3. Additional eligible expenses

• acquisition, construction, and/or renovation of buildings required for the project;
• purchase of raw materials and materials related to the project
  (up to a maximum of 30% of the loan amount).

Financing conditions

• Loan currency: MDL, EUR
• Minimum amount: equivalent of EUR 5,000
• Maximum amount: equivalent of EUR 375,000, of which:
  • up to EUR 250,000 – from BGK resources;
  • up to MDL 2,500,000 – from FACEM resources
• Annual interest rate:
  • MDL – up to 5.5%
  • EUR – up to 4.5%
• Repayment period: up to 6 years, final deadline – 28.02.2031
• Own contribution: in accordance with the bank’s lending policy.

Additional benefits for entrepreneurs

• business vouchers worth EUR 500–1,000 for business plan development;
• free training sessions for entrepreneurs;
• individual consultancy for preparing the financing application;
• study visits to Poland for top beneficiaries;
• all technical assistance costs are fully covered by Solidarity Fund PL.

How to apply

The application process is simple and transparent:

1. Submit the financing request to EuroCreditBank;
2. The bank registers the application on the FACEM platform;
3. FACEM verifies the project’s eligibility;
4. Sign the financing agreement and start implementing the investment.

Additional information

For full details on the program conditions, eligibility criteria, and types of eligible investments, please visit the FACEM BGK Investments page, where the official program information is available.