Financing for development, modernization, and medium- to long-term investments

The Investment Loan is designed for business entities planning strategic investments in fixed assets, modernization of production processes, or the development of new business capacities.

Advantages

• extended loan tenors;
• flexible repayment structure;
• various collateral options;
• financing tailored to the investment project.

Financing purposes

The Investment Loan may be used for:

• investments in fixed assets (production buildings, machinery, equipment, agricultural machinery);
• modernization and business development (technical re-equipment, reconstruction, new technologies, new products);
• refinancing of existing loans (no overdue payments, eligible purpose);
• other declared purposes approved by the Bank.

Eligibility

Business entities may apply for the Investment Loan if they:

• are residents of the Republic of Moldova;
• have been conducting business 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;
• demonstrate a stable financial position in accordance with the Bank’s criteria;
• have net current assets exceeding current liabilities
  (except for companies operating in the services or IT sectors).

​Loan amount and currency

• Minimum amount: MDL 100,000 (equivalent);
• Maximum amount: determined individually, depending on the financing needs and the applicant’s financial and economic assessment.
• Loan currency:
  • MDL, EUR, USD;
  • EUR (linked to EUR, with MDL equivalent indicated);
  • USD (linked to USD, with MDL equivalent indicated).

Loan tenor

• up to 60 months;
• up to 120 months – for the acquisition or construction of production-purpose real estate.

Collateral and security

The Loan is granted with one or more forms of security:

• collateral covering 100% (real estate, machinery, equipment, agricultural machinery, vehicles);
• ODA guarantee;
• founders’ guarantee (shareholding ≥ 20%).

Note: the deadline for establishing the collateral may be set individually in duly justified cases.

Disbursement and repayment

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