1. Homepage
  2. Legal entities
  3. Credits

Framework loans

Limit according to your needs!

Use the framework credit for the following types of products:

  • Credits
    • credits for working capital
    • investment loans
    • credit lines
  • Overdraft Allowed
  • Bank guarantees
  • Credentials

*Calculated amounts are of an informative nature

Benefits

Currency: MKD / EUR
Term: up to 180 months
Security: in agreement with the Bank

Investment loans

Realize your small and big projects!

  • Intended for:
    • Construction and purchase of real estate
    • Purchase of equipment
    • Reconstruction and expansion of business facilities
    • Project financing

*Calculated amounts are of an informative nature

Benefits

Grace period: up to 24 months
Repayment term: up to 180 months
Collateral: predetermined framework limit or other collateral acceptable to the bank
Interest rate: depending on your creditworthiness
Currency: MKD / EUR

Loans for working capital

The fastest way to achieve short-term goals!

  • Intended for:
    • Maintaining current liquidity
    • Short Term Deals
  • Security:
    • Immovable property or movable objects
    • Warranty Agreement
    • deposit and other security acceptable to the bank

*The calculated amounts are of an informative nature

Benefits

Grace period: up to 12 months
Repayment term: up to 24 months
Interest rate: depending on your creditworthiness
Currency: MKD / EUR

Credit lines

  • RBSM (EIB)
  • RBSM (credit for small and medium-sized enterprises - permanent working capital and investments)
  • RBSM (export credit)
  • RBSM (guarantee scheme)
  • RBSM (ZKDF)

*The calculated amounts are of an informative nature

Benefits

Take advantage of credit lines and invest in:

  • Modernization and/or expansion of the business;
  • Equipment, with diversification into new or existing production facilities;
  • Land, buildings and/or warehouse spaces;
  • Construction of business facilities;
  • Projects for renewable energy sources and energy efficiency;
  • and other fixed assets and fixed assets.

Super fast business loan with a fixed interest rate

It allows you to purchase or build a building and additional investments in the business or refinancing from other banks, working capital, new machines or financing of your current needs.

*The calculated amounts are of an informative nature

Benefits

  • amount up to EUR 30,000
  • interest rate 6.40% - fixed for the first year
  • no costs for consideration of a request - promotional until 31.12.2023.
  • up to 5 years with a grace period of 6 months included
  • no mortgage

Mortgage Business Credit

It allows you to invest in the purchase or construction of an object, new machines and additional investments in the business, refinancing from other banks and up to 30% of the amount for working capital, procurement of repair materials and permanent working capital.

*The calculated amounts are of an informative nature

Benefits

  • amount up to EUR 100,000
  • annual interest rate 4.90%
  • no costs for consideration of a request - promotional until 31.12.2023
  • up to 10 years with a grace period of 12 months included
  • with a mortgage
Locations
ATMs Expositories