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 entities |
| 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, EUR, 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, EUR, 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. |
| Guarantee |
- real estate
- personal property
- stocks
|
2. Loans from the account of resources of International Financial Organisations
Moldindconbank cooperates with international financial institutions to offer advantageous conditions for financing investment projects.
Re-crediting from financial resourses under Rural Investments and Service Project, financed by the International Agency for Development (DLC- RISP 1)– Crediting of farms, agriculture production enterprises, processing, commerce and services in rural area, the Associations for Savings and Loan of Citizens.
| Beneficiaries |
Crediting of farms, agriculture production enterprises, processing, commerce and services in rural area, the Associations for Savings and Loan of Citizens. |
| Maximum Term |
7 years |
| Grace period |
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 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 250.000 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 |
- 10% for new enterprises
- 20% for existing businesses
|
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 |
| Grace period |
2 years |
| Amount |
up to 250 000 USD |
| Eligible activities |
The financing is eligible only for projects on irrigation. |
| Beneficiary participation |
- 10% for new enterprises
- 20% for existing businesses
|
| Grant element |
Maximum 20% of credit amount |
Re-crediting under Rural Investments and Services Project, financed by the International Agency for Development (DLC-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 |
7 years |
| Grace period |
3 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 |
- 10% for new enterprises
- 20% for existing businesses
|
Re-crediting under Rural Financing and Small enterprises Development Project (DLC-FIDA 1) Crediting of small and middle size agricultural enterprises, of any form of legal organization, from all territorial units, except for Chisinau and Balti.
| Beneficiaries |
Small and middle size agricultural enterprises, of any form of legal organization, from all territorial units, except for Chisinau and Balti |
| Maximum Term |
5 years, for many-year plantations - 15 years |
| Grace period |
2 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) |
| Grace period |
3 years, maximum - 5 years (for many annual plantations) |
| Amount |
- 30.000 USD for enterprises with a single founder
- 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% for middle term credits
- 30%, for long term credits
|
| 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 |
| Grace period |
5 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 |
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 |
| Grace period |
2 years |
| Maximum amount |
Equivalent in MDL of 200.000 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 |
National Youth people Economic Empowerment Strategy (Youth DLC-RISP 1, 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 |
Private rural enterprises, of any type of legal organization The founders` age shall vary between 18 – 30 |
| Term |
5 years |
| Grace period |
2 years |
| Maximum amount |
300.000 lei |
| Eligible activities |
Not eligible for financing:
- Sub–loans for development of commerce, constructions
- 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 |
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. |
| Grace period |
2 years, for fruit farming and vine growing– 5 years. |
| Maximum amount |
- 30.000 USD for individual economic units, with a single founder
- 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 20% of total investment value |
Re-crediting under from financial resourses under International Fund for Agriculture Development (DLC-FIDA-4) Crediting of small and middle size agriculture enterprises, of any form of legal organization, registered in territorial administrative units of Moldova
| Beneficiaries |
small and middle size agricultural enterprises of any type of legal organization, registered in all territorial administrative units of the Republic of Moldova, including Gagauzia TAU, except for Chisinau and Balti. Towns under Chisinau Mayoralty are also included. |
| Term |
5 years |
| Grace period |
2 years |
| Maximum amount |
250 000 USD |
| Not eligible activities |
- Refinancing of old debts
- Payment of taxes and fees
- Land purchasing or rent
- Establishment / maintenance of plantations of grape-vine (technical varieties)
- Purchasing of pesticides
- Production / processing of cereals, meat, milk
- Livestock development, fisheries, beekeeping
|
| Beneficiary participation |
At least 20% of total investment value |
Rural Financial Services and Marketing Program (FIDA 4)
Horticultural value chain development of the Republic of Moldova (vegetable and fruit growing)
| Beneficiaries |
small and middle size agricultural enterprises of any type of legal organization, registered in all territorial administrative units of the Republic of Moldova, including Gagauzia TAU, except for Chisinau and Balti. Towns under Chisinau Mayoralty are also included. |
| Term |
- sub-component (a): 5 years (for many-year plantations - up to 8 years)
- sub-component (b): 7 years
|
| Grace period |
- sub-component (a): 2 years (for many-year plantations - up to 4 years)
- sub-component (b): 3 years
|
| Maximum amount |
- sub-component (a): 50 000 USD
- sub-component (b): 150 000 USD
|
| Not eligible activities |
- Refinancing of old debts
- Payment of taxes and fees
- Land purchasing or rent
- Establishment / maintenance of plantations of grape-vine (technical varieties)
- Purchasing of pesticides
- Production / processing of cereals, meat, milk
- Livestock development, fisheries, beekeeping
|
| Beneficiary participation |
At least 20% of total investment value |
| Others |
To complete the circulatory capital – is not eligible |
PAC – Project of competitiveness improvement funded by the World Bank
Development of Small and Medium Enterprises whose activity is focused on export.
| Beneficiaries |
- Private company with more than 75% of private shares and other private capital which belong to person or non-governmental companies of the Republic of Moldova or to their branches or to the other local government authority or to the entities supervised by the same agencies or branches;
- Activates on the territory of the Republic of Moldova and is registered in Tax Authorities of the Republic of Moldova Register;
- Activates at least two years;
- Possesses a satisfactory financial structure, organization, management, stuff and technical, financial sources and other sources necessary for the successful accomplishment of its operations including the sub-project implementation.
|
| Destination |
Sub-projects employed in export related to the agriculture, to the agriculture products processing, to the manufacturing or any other economic activity that delivers goods or services which are directly correlated with export income generation. |
| Maximum amount |
Maximum assignment to one client or one group of branched clients will not overcome equivalent of 1.000.000 euro
Sub-credits will be limited depending on their type, as follows:
- Investment – maximum amount up to 800.000 euro;
- Working capital financing - maximum amount up to 500.000 euro.
|
| Currency |
EUR, USD, MDL |
| Term |
Investment – 8 years, Working capital financing – 4 years
Maximum grace period: Investment – 3 years, Working capital financing – 2 years |
| Not eligible activities |
- sub-projects that may involve land reorganizations with effect on natural habitat or on cultural property or impact on international waterways;
- lots of land purchase for investment support or for existing owners involuntary deployment or infliction of losses or damages to traders` assets including permanent seeding, kiosks, dams and others;
- property purchase or rent;
- charges for military purposes, nuclear reactors, their parts, any activity that includes radioactive materials and products;
- luxury goods use for consumer purposes;
- processing or not tobacco products, tobacco processing machine;
- commerce in wild nature environment and wild nature products commerce banned by international conventions;
- genetically modified organisms emission in natural environment;
- illegal pesticides production, distribution and sale;
- products that contain asbestos;
- other equipment and machinery that contain substances regulated by the international conventions;
- patents, licenses and franchising;
- administrative offices construction (except repair of already existing one)
- arrears, taxes, debts etc.
|
| Other conditions |
Compliance with 2 obligatory procedures:
- Purchase procedure
- Environmental assessment procedure
|
FMO – Netherlands Development Finance Company
Crediting of small and middle size enterprises
| Beneficiaries |
Small or medium businesses (SMB) that are not financial institutions or other enterprises that provide financial services to the customers or other enterprises where:
- (a) total asset or total income does not overcome 50,000,000 MDL;
- (b) total number of employees does not overcome 250.
|
| Implementation Territory |
Whole territory of the Republic of Moldova |
| Currency |
USD |
| Term |
till 01.10.2017 |
| Grace period |
up to 2 years
|
| Non-eligible activities: |
- Production activities or activities that involve force or child labor
- Production or sale of any product or service which under law or host country regulations or international conventions and agreements are considered illegal
- Production or commerce with: weapons and ammunition, cigarettes, and spirits
- Games of chance, casino and similar enterprises
- Any pornography or prostitution business
- Commerce with wild animals or with wild animals products regulated by CITES
- Production or use or commerce with dangerous materials as: radioactive materials, loose asbestos fibers and products that contain PCBs.
- Cross-border trade with waste and garbage except case compatible with Convention de La Basel and fundamental regulations.
- Wayward fishing using up to 2,5 km long nets in aquatic environment
- Production, use or commerce with pharmaceutics products, pesticides, herbicides, chemical products that pollute ozone layer and the other dangerous substances internationally banned and removed from production
- Transformation or degradation to critical condition of habitat
- Racist and antidemocratic mass-media production and distribution
- Any critical cultural heritage modification, deterioration or removal
- Native population resettlement from traditional or exploited lands.
|
EBRD (European Bank for Reconstruction and Development)
Crediting of private companies, firms, business or sole proprietor formed under the laws of the Republic of Moldova and operating in the Republic of Moldova
| Beneficiaries |
private companies, firms, business or sole proprietor formed under the laws of the Republic of Moldova and operating in the Republic of Moldova |
| Destination |
For investment, for circulating capital |
| Maximum amount |
1 000 000 EUR, disbursed in one or more credits |
| Value |
MDL, EUR, USD |
| Term |
5 years |
| Grace period |
1 year |
| Activities that can not be funded: |
- production and / or sale of weapons
- Financial Institutions
- Insurance companies
- production and sale of tobacco
- production and sale of strong alcoholic drinks
- Casinos
- activities included in the list of exclusions about the environment of EBRD
- currency speculations
- investments in stocks and shares
|
| Beneficiary participation |
At least 30% of total investment value |
BERD – MoSEFF (The Moldovan Sustainable Energy Financing Facility )
Crediting of private companies, firms, business or sole proprietor formed under the laws of the Republic of Moldova and operating in the Republic of Moldova
| Beneficiaries |
Private companies, firms, business or sole proprietor formed under the laws of the Republic of Moldova and operating in the Republic of Moldova |
| Destination |
for energy efficiency and/or renewable efficiency sources
Eligible projects must lead to a reduction in primary energy consumption, reduction of CO2 emissions and in general improve rational energy use in industries, agribusiness and commercial buildings, which may be achieved by implementing measures and technologies with standard projects such as:
- heating, ventilation and conditioning systems of shopping centers, industrial buildings, agro-industrial plants;
- windows and lighting installation change in shopping centers, industrial buildings, agro-industrial plants
- industrial enterprises technological processes, commercial services, agro-industrial as well
renewable efficiency projects (biomass boilers, biogas instalations, solar heating etc.).
|
| Maximum amount |
2 mln. EUR, min. 25 000 EUR |
| Currency |
EUR, USD |
| Term |
5 years |
| Grace period |
2 years |
| Grant component |
Every credit has 5 – 20% value grant component for successful projects volume of which is set by independent consultant and auditor involved into the project. |
| Non-eligible activities: |
- investment in new buildings that are already complied with energetic efficiency requirements set on national level;
- investment in real estate just to have short-term or medium sales profit;
- financing for lands purchase
- refinancing of client`s real debt (except those to the bank)
|
| Other conditions: |
Every client can benefit from technical support and consultation. Technical support is funded by European Commission and is free of charge available for eligible projects |
EBRD Facility of guarantee/financing under the TFP Program (Trade Facilitation Program) Crediting of private companies, firms, business or sole proprietor formed under the laws of the Republic of Moldova and operating in the Republic of Moldova
| Beneficiaries |
private companies, firms, business or sole proprietor formed under the laws of the Republic of Moldova and operating in the Republic of Moldova |
| Destination |
- guarantee of export-import operations
- financing of export-import operations
|
| Minimum amount |
100 000 USD |
| Term |
1 year |
