Производи

Lending

DBNM provides finance to:
- small and medium-sized enterprises registered in the R. North Macedonia, through commercial banks, i.e. intermediary banks, and
- export oriented enterprises registered in the R. North Macedonia, through commercial banks, i.e. intermediary banks or directly through DBNM.

In the loan approval procedure, companies submit the loan application to one of the intermediary banks, and the export-oriented companies besides to the intermediary may also apply directly to DBNM. Duration of the procedure between submission of the complete documents to the intermediary bank or to DBNM and the approval of the loan, lasts not longer then one month.

Types of loans:

  • export credit financing – providing working capital for pre-shipment export finance or bridging the period between export and collection of payment from the foreign buyer
  • SME financing – permanent working capital and investments from different sources: ICL-revolving, DBNM, EIB, EIB-revolving
  • financing agriculture and agroindustry – primary production,  processing and export - through commercial banks or directly through DBNM
  • micro financing - micro and small scale enterprises, individual entrepreneurs, handicraft shops, private merchants, market counters, and other micro and small scale entities
  • financing energy projects – energy efficiency and renewable energy sources
  • loans for reducing unemployment - creation and preservation of jobs and self-employment financing
  • special credit guarantee scheme - micro, small and medium enterprises which do not have sufficient collateral to apply for a bank business loan,
  • financing accommodation facilities – investments for micro, small and medium-sized enterprises, with registered office in the Republic of North Macedonia, for purchasing, building and adaptation of small accommodation facilities not exceeding 70 beds and having up to 3 stars standard.
  • financing old people's homes and kindergartens - investments for micro, small and medium-sized enterprises, with registered office in the Republic of North Macedonia, for building and equipment of facilities for old people and kindergartens.
  • financing municipalities in RNM - realization of projects from the instrument for pre-accession assistance-IPA component for cross-border cooperation.
Second Tranche Disbursed of EIB V Credit Line in amount of EUR 16 million                                Financial Agreement Signed with EIB of EUR 100 million - Phase V                                Export Factoring Interest Rate Lowered from 5% to 4%.                                Loans for ACCOMMODATION FACILITIES.                                AGRO-INDUSTRY Loans with interest rate of 2% ONLY!                                Reduce the risk, insure the sale! Unique opportunity to secure domestic and export receivables.                                Special Credit Guarantee Scheme.