1. Loans for legal entities from bank’s own resources
To finance current activity Moldindconbank is always ready to help you cover your current working capital needs.
| Beneficiaries |
Legal bodies |
| Destination |
Financing the short term needs, resulting from diminution of floating capital or for covering the need for short term financing, occurred given operation cycle or season cycle, by performing payments towards suppliers, salaries, state budget transfers and other expenses. |
| Value |
Depending on need and financial state of applicant. |
| Currency |
MDL, EURO, USD |
| Form of Crediting |
- Credit line: the credit use is performed through many successive drawings, up to the competition of credit limit
- Revolving credit line: the credit use is performed through many successive drawings and multiple reimbursements.
- Credit overdraft: a 30 day term credit, used to cover the temporary gap between inflow and outflow, on the basis of inflows.
- Overdraft facility: a credit with a maximum period of 12 months, with an internal period up to 30 calendar days, characterized by drawings and multiple reimbursements.
|
| Term |
Depending on type and destination of credit, maximum 24 months. |
| Crediting limit |
Depending on client’s need for working capital. |
| Guarantee |
- Real estate
- personal property
- stocks
- Transfer of receipts to accounts (for overdraft credits and overdraft facilities) .
|
Loans for legal entities to finance long and medium term projects. You business is a living body and needs resources to grow and develop. We are ready to offer you the financial resources you need.
| Beneficiaries |
Legal entities |
| Destination |
To purchase equipment, buildings, real estate projects, to finance other investment projects or even take over other investment credits. |
| Value |
Depending on the need and financial situation of applicant |
| Currency |
MDL, EURO, USD |
| Form of Crediting |
- Credit: credit use is performed through a single drawing.
- Credit line: the credit use is performed through many successive drawings, up to the competition of credit limit
|
| Term |
Depending on type and destination of credit, maximum 36 months. |
| Crediting limit |
Depending on client’s need for working capital. |
2. Loans from the account of resources of International Financial Bodies
Moldindconbank cooperates with international financial institutions to offer advantageous conditions for financing investment projects.
Rural Investments and Service Project (RISP – 1) – Crediting of individuals and legal entities registered under any legal form, involved in farming, agricultural processing, production and sale activity or any other type of entrepreneurial activity in rural area, Associations for Savings and Loan of Citizens.
| Beneficiaries |
Legal entities and individuals, registered under any legal form, involved in farming, agricultural processing, production and sale activity or any other type of entrepreneurial activity in rural area, Associations for Savings and Loan of Citizens. |
| Maximum Term |
15 years |
| Amount |
Up to 250.000 USD |
| Eligible activities |
Any investment in economic activity ( agricultural production, processing, packaging, storing and sale, supply with row material and service rendering, non agriculture activities – industrial, commercial, tourism, etc.) which is regarded as:
- Viable, from financial and economic viewpoint.
- Technically feasible
- Has an acceptable business plan.
Proves, on the basis of a predictable cash flow, the ability of sub-debtor to repay the debt in accordance with the repayment schedule and conditions, agreed with the bank.
Not eligible:
- Re financing of old debts
- Investments in residential facilities (blocks for living).
- Land Purchasing or Rent.
- Purchasing of pesticides.
|
| Beneficiary participation |
At least 10% - 20 % of the total investments value |
Rural Investments and Services Project, financed by the International Agency for Development (RISP - 2) – Crediting of individuals and legal entities, involved in entrepreneurial activity, except for Chisinau and Balti.
| Beneficiaries |
Individuals and legal entities, registered under any legal form, involved in entrepreneurial activity, except for Chisinau and Balti. |
| Maximum Term |
15 years |
| Amount |
Up to 150.000 USD |
| Eligible activities |
All activities except for:
- commerce branches
- purchasing and leasing of land
- construction and reconstruction of residential facilities
- purchasing of buildings
- re financing of existent debts;
- investments in stocks and shares or statutory capital
- Financing of production and sale of tobacco and other tobacco products as well as of strong alcoholic drinks.
- Purchasing of pesticides.
|
| Beneficiary participation |
Own beneficiary participation – at least 10% - 20 % of the total investments value. |
Adaptation to drought under DLC-Drought - RISP 2 Project - Crediting of individuals and legal entities, involved in entrepreneurial activity, except for Chisinau and Balti.
| Beneficiaries |
Crediting of individuals and legal entities, involved in entrepreneurial activity, except for Chisinau and Balti. |
| Maximum Term |
10 years |
| Amount |
Up to 100.000 USD |
| Eligible activities |
The financing is eligible only for projects on irrigation. |
| Beneficiary participation |
At least 10% - 20 % of total investment value |
| Grant element |
Maximum 20% of credit amount |
Re-crediting under Rural Investments and Services Project, financed by the International Agency for Development (RISP - 2) – Crediting of private persons and legal entities, involved in entrepreneurial activity in rural area, except for Chisinau and Balti.
| Beneficiaries |
Private persons and legal entities, involved in entrepreneurial activity in rural area, except for Chisinau and Balti. |
| Maximum Term |
15 years |
| Amount |
Up to 250.000 USD |
| Eligible activities |
All activities except for :
- purchasing and rent of land
- Purchasing, construction reconstruction, arrangement of residential facilities.
- purchasing of buildings
- Re financing of existent debts, payment of taxes and fees.
- investments in stocks and shares or statutory capital
- Financing of production and sale of tobacco and other tobacco products as well as of strong alcoholic drinks, games of chance, operations with precious metals.
- Purchasing of pesticides.
- Other non efficient activities or other environmentally unfriendly activities
|
| Beneficiary participation |
At least 10% - 20 % of the total investment value. iy |
Re-crediting under Rural Investments and Services Project, financed by the International Agency for Development (DLC- RISP) – Crediting of farms, agriculture production enterprises, processing, commerce and services in rural area, the Associations for Savings and Loan of Citizens.
| Beneficiaries |
Farms, agriculture production enterprises, processing, commerce and services in rural area, the Associations for Savings and Loan of Citizens. |
| Maximum Term |
15 years, including the period of grace, not longer than 3 years. |
| Amount |
Up to 500 000 USD |
| Eligible activities |
- Investments in agricultural house holding, aimed to develop agriculture and horticulture production.
- Investments in processing, storage, packaging, sale and other activities afferent to agriculture sub sectors.
- Investments in any other non agriculture economic activity in rural area, including in agro industrial, commercial, tourism, handicraft societies, etc.
- Circulating capital for economic activities, listed in upper points (a), (b) and (c)
Not eligible for financing:
- Purchasing and rent of land, residential facilities or arrangement works.
- Refinancing of existent debts,
- Purchasing of pesticides
|
| Beneficiary participation |
At least 20% of total investment value |
Credits under International Fund for Agriculture Development for the implementation of Rural Financing and Small enterprises Development Project, administrated and monitored by the Credit Line Directorate – small and middle size agricultural enterprises, of any form of legal organization, from all territorial units, except for Chisinau and Balti, can benefit of sub-loans.
| Beneficiaries |
Small and middle size agricultural enterprises, of any form of legal organization, from all territorial units, except for Chisinau and Balti, can benefit of sub-loans. |
| Maximum Term |
5 years, for many-year plantations - 15 years |
| Amount |
Up to 500 000 USD |
| Eligible activities |
- Planting of vine and fruit trees;
- Processing of agricultural row material at the state level;
- Production of dairy products and other agriculture products;
- Providing of agriculture powered services (ploughing, seeding, etc.);
- Production of seeds and seedling, growing of vegetables in green houses;
- Centers to collect agriculture products.
- Harvest Storage and maintenance.
- Workshops to maintain, fix agriculture technique and other rural facilities.
- Facilities for storage and maintenance of products ( cold rooms)
- Other types of agricultural activities.
|
| Beneficiary participation |
At least 10% of the total investment value |
Agriculture revival Project, financed from FIDA - PRA resources - Crediting of small and middle size agricultural enterprises, registered in all territorial administrative units of the Republic of Moldova, including Gagauzia TAU, except for Chisinau and Balti.
| Beneficiaries |
Small and middle size agricultural enterprises, registered in all territorial administrative units of the Republic of Moldova, including Gagauzia TAU, except for Chisinau and Balti. |
| Term |
Medium - 7 years, maximum - 15 years (for many annual plantations) |
| Amount |
Up to 30.000 USD for enterprises with a single founder and 100.000 USD for enterprises with more founders |
| Eligible activities |
- Project will finance all agriculture development activities and agriculture afferent activities from rural area, as follows :
- Planting of vine and fruit trees;
- Processing and packaging of agriculture products;
- Production of livestock;
- Production of seeds and seedling, growing of vegetables in green houses;
- Storage and maintenance in cold rooms of agriculture products;
- Gathering and sale of perishable agricultural products;
- Providing powered agriculture services;
- Other agriculture activities.
Not eligible for financing:
- Refinancing of existent debts,
- Payment of taxes and fees;
- Construction of residential facilities and other social-aimed facilities.
- Land purchasing or rent;
- Alcoholic drinks production
- Purchasing of pesticides.
|
| Own beneficiary participation |
At least 20% of total investment value |
| Grant element |
20% - 30%, depending on credit term |
| Others |
Credits to complete the circulatory capital, afferent to investment, will be given for a 2 year period and will amount 25% of total investment value. |
Re crediting under Rural Business Development Project, financed under DLC- FIDA – 3- Crediting of small and middle size agricultural enterprises, registered in all territorial administrative units of the Republic of Moldova, including Gagauzia TAU, except for Chisinau and Balti.
| Beneficiaries |
Small and middle size agricultural enterprises, registered in all territorial administrative units of the Republic of Moldova, including Gagauzia TAU, except for Chisinau and Balti. |
| Term |
15 years |
| Maximum amount |
150 000 USD |
| Eligible activities |
Program will finance business development activities in rural area, as follows:
- Planting of vine and fruit trees;
- Processing and packaging of agriculture products;
- Livestock production
- Production of seeds and seedling, growing of vegetables in green houses;
- Storage and maintenance in cold rooms of agriculture products;
- Gathering and sale of perishable agriculture products;
- Powered agriculture services;
- Other rural businesses (ex.: barber’s shops, carpentry, pottery, etc.)
Not eligible for financing:
- Maxi- taxi services /transportation of passengers
- Refinancing of existent debts;
- Payment of taxes and fees;
- Construction of facilities for living;
- Land purchasing or rent;
- Alcoholic drinks production
- Purchasing of pesticides;
- Sale of consumer goods and alcoholic drinks;
- Games of chance, recreational centers, restaurants, bars;
- Commerce, reparation and pawn jewelry;
|
| Beneficiary participation |
At least 20% of total investment value |
| Others |
Credits to complete the circulatory capital, afferent to investment, will be given for a 2 year period and will amount 25% of total investment value. |
Rural Business Development Program, financed under FIDA – 3 - Crediting of small and middle size agricultural enterprises, registered in all territorial administrative units of the Republic of Moldova, including Gagauzia TAU, except for Chisinau and Balti.
| Beneficiaries |
Small and middle size agriculturalenterprises, registered in all territorial administrative units of the Republic of Moldova, including Gagauzia TAU,except for Chisinau and Balti. |
| Term |
15 years |
| Maximum amount |
150.000 USD |
| Eligible activities |
Programwill finance business development activities in rural area, as follows:
- Planting of vine andfruit trees;
- Processingand packaging of agriculture products;
- Livestockproduction
- Productionof seeds and seedling, growing of vegetables in green houses;
- Storage and maintenance in cold rooms of agriculture products;
- Gathering and sale of perishable agriculture products;
- Powered agriculture services;
- Other rural businesses (ex.: barber’s shops, carpentry, pottery, etc.)
Not eligible for financing:
- Maxi-taxi services /transportation of passengers
- Refinancing of existent debts;
- Payment of taxes and fees;
- Construction of residential facilities;
- Land purchasing or rent;
- Alcoholic drinks production
- Purchasing of pesticides.;
- Sale of consumer goods and alcoholic drinks;
- Games of chance, recreational centers, restaurants, bars;
- Commerce, reparation and pawn jewelry;
|
| Beneficiary participation |
At least 20% of total investment value |
| Others |
Credits to complete the circulatory capital, afferent to investment, will be given for a 2 year period and will amount 25% of total investment value. |
Re-crediting under Loan Agreement, between Kreditanstalt fur Wiederaufbau (KfW), the Republic of Moldova and JSC „Sudzucker Moldova” (DLC-KfW-Sudzuker Moldova) – Crediting of enterprises of any type of legal organization.
| Beneficiaries |
Enterprises of any type of legal organization. |
| Term |
7 years |
| Maximum amount |
Equivalent in MDL of 50.000 EURO. Credits are given in Moldovan lei only |
| Eligible activities |
Not eligible for financing:
- Refinancing of debts;
- Payment of taxes and fees;
- Construction of residential facilities;
- Land purchasing or rent;
- Alcoholic drinks production;
- Purchasing of pesticides;
- Games of chance, recreational centers, restaurants, bars;
- Commerce, reparation and pawn jewelry;
- Subprojects, whose financing contributes to the deterioration of impact on environment.
|
| Own beneficiary participation |
At least 20% of total investment value |
| Others |
Credits to complete the circulatory capital, afferent to investment will amount 30% of total investment value. |
National Youth people Economic Empowerment Strategy (Youth DLC-RISP 1) – Crediting of private enterprises from rural area, of any type of legal organization. The founders` age shall vary between 18 – 30
| Beneficiaries |
Private rural enterprises, of any type of legal organization The founders` age shall vary between 18 – 30 |
| Term |
5 years |
| Maximum amount |
300.000 lei |
| Eligible activities |
Not eligible for financing:
- Sub – loans for development of commerce, constructions, reconstruction works, services and circulatory capital.
- Land purchasing or rent;
- Construction and reconstruction of facilities for living.
- Purchasing of buildings
- Refinancing of old debts;
- Investments in stocks and shares or statutory capital
- Financing of production and sale of tobacco and other tobacco products as well as of strong alcoholic drinks.
- Purchasing of pesticides.
|
| Grant element |
Up to 40% of credit amount |
| Others |
To complete the circulatory capital – is not eligible |
International Fund for Agriculture Development, administrated and financed under Credit Line Directorate (DLC-FIDA-PRA) – Crediting of small and middle size agriculture enterprises, of any form of legal organization, registered in territorial administrative units of Moldova, including in TAU Gagauz Yeri ( does not include Chisinau and Balti). Towns under Chisinau Mayoralty are also included.
| Beneficiaries |
Small and middle size agriculture enterprises, of any form of legal organization, registered in territorial administrative units of Moldova, including in TAU Gagauz Yeri (does not include Chisinau and Balti). Towns under Chisinau Mayoralty are also included. |
| Term |
5 years, for fruit farming and vine growing– 15 years. |
| Maximum amount |
In MDL or USD equivalent of 30.000 USD – for individual economic units, with a single founder, ( individual enterprises, farms, limited enterprises etc.) and 100,000 USD – for economic units with more founders |
| Eligible activities |
- Planting vine and fruit trees;
- Processing agriculture raw material at village level;
- Production of dairy and other agriculture products;
- Providing agriculture powered services (ploughing, seeding, etc.)
- Production of seeds and seedling, growing of vegetables in green houses;
- Gathering agriculture products
- Storage and maintenance in cold rooms of agriculture products;
- Workshops for maintenance and fixing of agriculture technique and other rural facilities;
- Facilities for products storage and maintenance (cold rooms)
- Anther types of agriculture activities.
Not eligible for financing:
- Refinancing old debts;
- Payment of taxes and fees;
- Construction of living facilities and other social intended facilities;
- Land purchasing or leasing;
- Alcoholic drinks production
- Pesticides production
|
| Beneficiary participation |
At least 10% of total investment value |
| Others |
To complete the circulatory capital - Max. 50% of investment cost |
National Program on Economic Empowerment of Youth (Youth DLC-FIDA 1) – Crediting of private enterprises from rural area, of any type of legal organization. The founders` age shall vary between 18 – 30
| Beneficiaries |
Crediting of private enterprises from rural area, of any type of legal organization. The founders` age shall vary between 18 – 30 |
| Maximum term |
5 years |
| Maximum amount |
300.000 lei |
| Eligible activities |
Not eligible for financing:
- Sub – loans for development of commerce, constructions, reconstruction works, services and circulatory capital.
- Land purchasing or leasing;
- Construction and reconstruction of facilities for living.
- Purchasing of buildings
- Refinancing of old debts;
- Investments in stocks and shares or statutory capital
- Financing of production and sale of tobacco and other tobacco products as well as of strong alcoholic drinks.
- Purchasing of pesticides.
|
| Grant element |
Up to 40% of credit amount |
| Others |
To complete the circulatory capital – not eligible |
Social and Economic Empowerment of Youth(PASET -2) - New private enterprises, of all forms of legal organization, having private integral social capital. At the moment of project presentation, all founders shall be aged 18-30.
| Beneficiaries |
New private enterprises, of all forms of legal organization, having private integral social capital. At the moment of project presentation, all founders shall be aged 18-30. The founders shall not have creditor history. Both the business (the enterprise and its activities) and founders shall be residents of rural area. |
| Maximum term |
Minimum 2 years, excluding the period of grace.
Maximum - 5 years, |
| Maximum amount and grant element |
Maximum project amount – equivalent in Moldovan lei of 10 000 USD, of which the credit amount– 4.000 USD.
Credit currency: MDL and USD. |
| Eligible activities |
Not eligible for financing:
- Land purchasing or leasing;
- Construction and reconstruction of facilities for living.
- Purchasing of buildings
- Refinancing of old debts;
- Investments in stocks and shares or statutory capital
- Financing of production and sale of tobacco and other tobacco products as well as of strong alcoholic drinks.
- Purchasing of pesticides
|
| Grant elements |
Maximum 5.000 USD. Grant currency–MDL only. |
| Beneficiary participation |
Minimum 1.000 USD (min. 10% of project cost) |
| Others |
To complete the circulatory capital – not eligible |
PAC – Proiectul de ameliorare a competitivităţii, finanţat de către Banca Mondială
Dezvoltarea Întreprinderilor Mici şi Mijlocii activitatea cărora este axată pe export.
| Beneficiari |
- Întreprindere privată unde mai mult de 75% din acţiuni şi alt capital este privat şi aparţine persoanelor sau companiilor, altele decât cele de stat ale Republicii Moldova, sau subdiviziunilor acesteia, sau altă autoritate guvernamentală, locală sau entităţi controlate de asemenea agenţii sau subdiviziuni.
- Operează pe teritoriul Republicii Moldova şi este înregistrată în registrul autorităţilor Republicii Moldova fiscale;
- Este activă de cel puţin doi ani;
- Deţine o structură financiară satisfăcătoare, organizare, management, cadre şi surse tehnice, financiare şi alte surse necesare pentru realizarea cu succes a operaţiunilor sale, inclusiv implementarea Sub-proiectului.
|
| Destinaţia |
Sub-proiecte angajate în exporturi aferente agriculturii, prelucrării produselor agricole, fabricării sau altei activităţi economice care furnizează bunuri sau servicii direct corelate cu generarea de venituri din export. |
| Suma maximă |
Expunerea maximă faţa de un client sau un grup de clienţi afiliaţi nu va depăşi echivalentul a 1.000.000 EUR
Sub-împrumuturile vor fi limitate, în dependenţă de tipul lor, după cum urmează:
- Investiţii - suma maximă până la 800.000 EUR;
- Finanţarea capitalului circulant - suma maximă până la 500.000 EUR.
|
| Valuta |
EUR, USD, MDL |
| Termen maxim |
Investiţii– 8 ani, Finanţarea capitalului circulant – 4 ani.
Perioada maximă de graţie: Investiţii– 3 ani; Finanţarea capitalului circulant – 2 ani. |
| Proiecte neeligibile |
- sub-proiectele care pot implica reorganizări de terenuri, cu efect asupra habitatului natural sau a proprietăţii culturale, sau impactul asupra căilor navigabile internaţionale;
- procurarea terenurilor de pământ pentru susţinerea investiţiilor sau pentru dislocarea involuntară a proprietarilor existenţe sau pricinuirea unor pierderi, ori daune a activelor agenţilor economici, inclusiv semănăturilor permanente, chioşcurilor, barajelor şi altele;
- procurarea sau arendarea imobilului;
- cheltuielile în scopuri militare, reactoare nucleare, părţi ale acestora, oricare activitate ce include materiale şi produse radioactive;
- bunuri de lux utilizate în scopuri de consum;
- produse din tutun, prelucrate sau neprelucrate; maşini de prelucrare a tutunului;
- comerţul în mediul naturii sălbatice şi cu produse ale naturii sălbatice, interzise de către convenţiile internaţionale;
- eliberarea organismelor modificate genetic în mediul natural;
- producerea, distribuirea şi realizarea pesticidelor ilegale;
- produsele ce conţin asbest;
- alt echipament şi utilaje ce conţin substanţe reglementate de convenţiile internaţionale;
- patente, licenţe şi franchising;
- construcţia oficiilor administrative (cu excepţia reparaţiei celor existente);
- creanţe, taxe, datorii etc.
|
EBRD (European Bank for Reconstruction and Development)
Creditarea întreprinderilor mici, firmelor, companiilor sau alte entităţi juridice constituite în conformitate cu legislaţia Republicii Moldova
| Beneficiari |
Întreprinderi mici, firme, companii sau alte entităţi juridice constituite în conformitate cu legislaţia Republicii Moldova, precum şi persoanelor fizice înregistrate ca antreprenori, în conformitate cu legislaţia în vigoare.
|
| Destinaţia |
Investiţionale, pentru capital circulant |
| Suma maximă |
1 mln. EUR disbursat în unu sau mai multe credite |
| Valuta |
MDL, EUR, USD |
| Termen maxim |
5 ani, cu o perioadă de graţie de 1 an |
| Activităţi ce nu pot fi finanţate: |
- Producerea şi/sau comercializarea armamentului
- Instituţiilor financiare
- Companiile de asigurare
- Producerea şi/sau comercializarea tutunului
- Producerea şi/sau comercializarea băuturilor tari
- Cazinouri
- Activităţi incluse în Lista BERD a excluderilor privind mediul înconjurător
- Speculaţii valutare
- Investiţii în valori mobiliare
|
| Pariticiparea proprie a beneficiarului |
Minimum 30% din costul total al proiectului. |
