Permanent working capital loan and investments provided by MBDP-EIB


Purpose: Financing in case of purchase tangible assets (real estate, equipment, working capital – up to 30% of the loan value), investments in intangibles (development, planning and financing in construction phase as well as salary expenses and other related to research and development phase)


Loan amount:

By the creditworthiness of the loan applicant, minimum EUR 10,000 maximum EUR 3,500,000

Loan currency:

foreign currency loans in euro

Repayment period:

up to 8 years with possible 2-year grace period included

Repayment terms:

quarterly repayment of the principal with interest



In line with the Bank Collateral Catalogue and Policy*

Minimum eligible collateral:

Mortgage on real estate and/or pledge on movables and notarized draft or solemnized credit exposure agreement with enforcement clauses 


valid for companies with over 51% private ownership. The number of employees may not be reduced for the loan repayment period. Preferential clients for this loan are those whose scope of work in the current year has increased by at least 5% compared to the previous year, or export increased by at least 5%, which invested in modernization, energy efficiency, environment protection, increased the number of employees and with good market competitiveness (operating income higher than operating expenses, current liquidity more than 0.8 and at least 30% income from export)

Prohibited lending activities:

weapon production and export, games of chance, tobacco production, activities related to animal testing, activities having adverse impact on environment, cloning, real estate trade, project whose accounting value exceeds EUR 25 million, projects submitted by companies with over 250 employees

interest rates

Interest rate:

5.5% annually, fixed


up to 1,5% to the approved loan value

Commission for prepayment of the loan:

3% of the prepaid amount

Other fees and commissions:

MKD 2,000 handling fee for approved application

Loan currency:

the loan is reimbursed in accordance with the Decision on Interest Rate Policy of the Bank