Flexible financing to support and grow your business

The Partener Loan provides businesses with stable operations and positive financial results access to financing to support day-to-day activities, implement investments, and refinance existing loans.

Eligible purposes of financing

The Partener Loan may be used for:

• working capital financing;
• acquisition of fixed assets (production-purpose real estate, technical re-equipment, reconstruction and modernization, development of new technologies and products);
• other purposes declared by the borrower and approved by the Bank;
• refinancing of loans contracted with other commercial banks (with no overdue payments and with an eligible original purpose).

Eligible borrowers and requirements

The loan is available to businesses that:

• are residents of the Republic of Moldova;
• have been operating for at least 24 months;
• recorded a net profit for the reporting period and the previous year;
• have positive equity;
• hold net current assets exceeding current liabilities.

Mandatory conditions:

• total loan payments for the remaining period of the current year shall not exceed 40% of average annual sales (previous year + latest quarters of the current year);
• sales revenues shall not be lower by more than 20% compared to the previous year;
• account turnovers through ECB shall represent at least 80% of total turnovers;
• no dependency on a single client (maximum 50% of total sales).

Loan amount and terms

• Minimum amount: MDL 100,000 (equivalent);
• Maximum amount:
  • up to MDL 1,000,000 – for companies with annual sales exceeding MDL 10 million;
  • up to MDL 750,000 – for companies with annual sales below MDL 10 million.
• Loan currency: MDL, USD, EUR (including loans linked to USD or EUR).

Loan term

• up to 24 months, inclusive.

Disbursement and repayment

• the loan may be disbursed in full or in tranches, within the approved limit;
• loan repayment is made monthly, in accordance with the agreed repayment schedule (equal installments / annuity / individual schedule);
• in the case of a credit line, the available limits must be reduced at least 6 months prior to maturity;
• interest and related fees are payable monthly.