Loan products
Medium and large businesses
Short-term and medium-term loans for working capital financing
Specifications
Purpose
For financing both current and/or permanent working capital
Currency
In MKD or any foreign currency
Duration and repayment
Up to 1 year for financing current assets
Up to 3 years for financing permanent working capital
Optional repayment in equal monthly installments or as a bullet payment
Security
Acceptable security consists of real estate, movable assets, bank guarantee, corporate guarantee, bills of exchange, cash cover and other assets as agreed with the Bank.
Price Terms
Dependent upon the agreement between the Bank and the respective company and depending on the company’s creditworthiness, its credit history, the type and the other terms of the placement, as well as the type and the scope of the overall cooperation.
Long-term loans for investment financing
Specifications
Purpose
Financing investments
Currency
In MKD or any foreign currency
Duration and repayment
Up to 10 years
Optional grace period included in the repayment term
Equal monthly payments or payments agreed in line with the planned course of the investment
Security
Acceptable security comprises of real estate, movable assets, bank guarantee, corporate guarantee, bills of exchange, cash cover and other assets as agreed with the Bank.
Price Terms
Dependent upon the agreement between the Bank and the respective company and depending on the company’s creditworthiness, its credit history, the type and the other terms of the placement, as well as the type and the scope of the overall cooperation
Credit line on revolving basis
Specifications
Purpose
Financing the working capital needs
Currency
In MKD or any foreign currency
Duration and repayment
Up to 10 years of validity, subject to annual review
Repayment up to 12 months, depending on the company's cash flows
Optional repayment in equal monthly installments
Security
Acceptable security comprises of real estate, movable assets, bank guarantee, corporate guarantee, bills of exchange, cash cover and other assets as agreed with the Bank.
Price Terms
Dependent upon the agreement between the Bank and the respective company and depending on the company’s creditworthiness, its credit history, the type and the other terms of the placement, as well as the type and the scope of the overall cooperation
Documents required
Account Overdraft
Specifications
Purpose
Financing the working capital needs
Currency
In MKD
Duration and repayment
Up to 10 years of validity, subject to annual review
Repayment schedule based on the inflow on the MKD account in the bank
Security
Acceptable security comprises of real estate, movable assets, bank guarantee, corporate guarantee, bills of exchange, cash cover and other assets as agreed with the Bank.
Price Terms
Dependent upon the agreement between the Bank and the respective company and depending on the company’s creditworthiness, its credit history, the type and the other terms of the placement, as well as the type and the scope of the overall cooperation