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Web Platform for Credit Insurance

Purpose: Intended for all domestic companies seeking to insure receivables (both export and domestic).
Benefits:
- simplified and faster application process
- enhanced security and control
- improved management of credit insurance activities
- optimization of business processes 
- for investments and working capital,
- for micro, small and medium enterprises in the RNM,
- financing up to 70% of the project value,
- via intermediary banks.
 
 
- for investments in fixed assets
- for micro, small, medium and large enterprises
- 1.95% fixed annual interest
- repayment period up to 15 years
- grace period included up to 3 years
- via intermediary banks
- loans to support women's entrepreneurship
- loans for green investments 
- loans for digitization
- annual interest rate up to 3.5%
- via intermediary banks
- for large exporting companies,
- up to 50% of the loan amount, and
without compensation for companies until 31.12.2025
- for micro, small and medium enterprises
- securing the part of the collateral for the extended loans
- up to 80% of the principal amount of the working capital loans
- up to 50% of the principal amount of loans for fixed assets
- via intermediary banks and savings banks
How does trade credit insurance help your business?
  • Protection of your cash flow
  • Safe expansion into new markets
  • Building strong customer relations
  • Strategic decisions support
Insure your business today and grow with confidence!
Protect your business, insure your receivables!
If you are a company registered in RNM and sell goods
and services in the country or abroad on deferred payment of up to 180 days,
APPLY and we will buy your receivables and pay you in advance!
- for securing customs debt in inward processing
- for domestic companies importing goods in order to undergo processing operations and re-export of the processed goods
- 100% of the amount of the customs debt
- 0.2% quarterly provision


Public Announcements

service
23/03/2026
In line with contemporary trends in the digitalization of financial services (fintech), and with the aim of simplifying proce...
service
02/02/2026
1. Subject of sale: Movable property – passenger motor vehicles described as:     ...
service
30/12/2025
On 30 December 2025, the Development Bank withdrew the tenth and final tranche of the EIB 7 credit line intended for the gree...
service
23/12/2025
The Development Bank disbursed the eighth and ninth tranches of EUR 14,2 million to intermediary banks for 45 approved projec...

Public Announcements



Who are we?

The Development Bank of North Macedonia is a development bank that is 100% owned by the Republic of North Macedonia. It was founded in 1998 with the primary goal of supporting domestic micro, small, medium, and export-oriented trading companies and strengthening the competitiveness of the Macedonian economy. The bank supports domestic companies through direct and intermediated lending, short-term insurance of the export of Macedonian products and services against commercial and political risks, domestic factoring and export factoring with recourse, as well as issuing guarantees.