Maib automates the lending process for companies: full digitalization of transaction verification

Digitalization remains one of maib’s strategic priorities, and the beginning of 2025 marked an important step in the evolution of banking services for companies. The bank has implemented an automated lending workflow that enables credit applications to be processed in a fully digital manner, without manual analysis and without human validation at the transaction verification stage.  

Through this model, companies benefit from much faster, more predictable, and more convenient access to financing. 

How automated lending for companies works at maib. 

The process is based on a set of technologies and predefined rules that allow the entire credit application to be processed digitally.

1. Automated data collection - maib systems extract the necessary information directly from official sources, state registers, tax data, and other platforms, without requesting additional documents from the client.

2. Automated digital checks - all operational, compliance, eligibility, and banking-rule checks are performed by the system, without human intervention. This stage significantly reduces processing time.

3. Fast, rules-based decision - for the products included in this model, the system automatically generates the credit limit based on predefined criteria.

4. Digital contracting and immediate access to funds - contracts are generated automatically, digitally signed, and the funds become available immediately after the process is completed, with no additional delays. 

Benefits

• speed – the elimination of manual interventions reduces approval time to just minutes
• simplicity – clients are not required to submit additional documents, and the entire process takes place online
• efficiency – ensures a uniform, standardized, and predictable process for all eligible applications
• accessibility – the service is available at all times, on any device, allowing companies to access financing whenever they need it.

For the micro and small business segment, this model has already become a valuable tool for the rapid management of liquidity and working capital needs.

A key step in maib’s evolution

Through the full automation of the lending process, maib transforms credit into a fast and predictable tool, aligned with the real working pace of companies. For entrepreneurs, this means access to financing exactly when the need arises — without bureaucracy, without waiting, and without operational interruptions.

Maib continues to invest in digital solutions that simplify interactions with the bank and support the healthy development of the business environment in the Republic of Moldova. 

Digital lending is no longer a competitive advantage; it is a standard — and maib is already delivering it. 

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