Funds provided by DBNM (SMEs) credit line for crediting the development of small and medium enterprises through the Development Bank of N. Macedonia
For who small and medium enterprises

purchase of fixed assets (a maximum of 50% of this loan can be used for working capital )

procurement of working capital


from 10,000 to 500,000 EUR for fixed assets

from 15,000 to 300,000 EUR for working capital 

Currency denar loan indexed in EUR
Repayment period

up to 132 months for fixed assets

up to 36 months for working capital

Minimum experience 12 months
Grace Period

up to 12 months for loan for fixed assets

up to 6 months for working capital loans 

Participation in the investment own participation, at least 15% of the total investment
Method of repayment monthly installments
Annual interest rate up to 6,5%
Security movable objects or real estate
Required documentation for an application identity card from the manager, current situation not older than 3 months