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EBRD LINE OF CREDIT FOR SUPPORTING MICRO-, SMALL- AND MEDIUM-SCALE ENTERPRISES’ COMPETITIVENESS

Intended for financing projects involving micro-, small- and medium-scale enterprises registered in the Republic of North Macedonia, more than 51 % of the capital of which is privately owned, aimed at promoting their competitiveness and improving their harmonization with the technical standards laid down in the EU directives and legislation.

Advantages

  • Amounts of up to Euro 1,000,000
  • Minimum loan repayment period of 18 months
  • Grace period of up to 12 months
  • Method of payment – quarterly or monthly
  • • After the project has been completed and verified successfully,
    15 % of the total amount of the credit shall be reimbursed to the client.




Criteria and collaterals

  • Real estate mortgage
  • Pledge of movables
  • Executive bill of exchange in the form of a notary act
  • Other instruments that the Bank deems acceptable

This Line of Credit prohibits and excludes financing of the following:

  • Manufacturing and/or exports of weapons or military equipment
  • Financial institutions or companies providing financial services
  • Insurance companies
  • Real estate agencies
  • Production or exports of tobacco or alcohol
  • Sale of tobacco or alcohol (except when the sale of tobacco or alcohol is not the client’s primary business activity)
  • Casinos or other gambling facilities
  • Speculative ventures in property or currencies, or other speculative venture activities
  • Investment in securities of any kind, here also including investments in the shareholding capital of other companies
  • All activities included in the EBRD’s Environmental and Social Exclusion List