At maib, we understand how crucial it is to have financial resources readily available when your business needs them most. That’s why we offer a well-known solution within the business environment – the pre-approved credit limit. This accessible financing option is calculated automatically either monthly or instantly upon request, providing companies with immediate access to credit – without paperwork, without additional documentation, and based on the company’s official financial data. The limit can be used fully or partially, to support urgent needs or strategic investments.
Marina Balan, Product Owner, Business Banking Lending Department at maib:
“The pre-approved credit limit is maib’s answer to the actual need of entrepreneurs for fast and flexible financing. It is a benefit that is already successfully supporting businesses, providing immediate financial support without complicated processes and with respect for entrepreneurs' time.”
What does the pre-approved credit limit offer?
- access to financing of up to 2 million MDL without collateral or up to 5 million MDL with collateral, depending on the company’s profile;
- fast approval with no paperwork – based on declared financials or cash flows through maib accounts;
- financing term of up to 5 years;
- financing is available for both operational needs and investments;
- commission-free refinancing;
- the credit limit is recalculated monthly.
The limit is calculated automatically each month or on demand through the online platform. Credit products can be accessed at your convenience once you decide to apply and sign the contract – including online, using an electronic signature.
Collateral or no collateral? The choice is yours!
The pre-approved limit is available in two options:
Unsecured – up to 2 million MDL;
Secured – up to 5 million MDL, with real assets (property, equipment, deposits), including for extended limits.
It is applicable to all types of financing offered by maib:
- working capital – for day-to-day business expenses;
- investment loans – for business growth and modernization;
- documentary operations – bank guarantees, secured or unsecured;
- refinancing – for existing loans from other institutions.
Who is eligible?
The benefit is available to all legally recognized business entities, including: limited liability companies (SRL), individual enterprises (ÎI), agricultural households, law and notary offices, self-employed individuals.
For micro-enterprises that do not file financial statements, the following maximum unsecured limits apply:
- agro – up to 300 000 MDL;
- non-agro – up to 500 000 MDL.
Suppose a business previously held a loan with a higher amount and has a positive repayment history. In that case, the limit can be adjusted to match that value, without exceeding the maximum cap.
How to check your available limit?
Everything is done online, quickly and easily:
- go to the pre-approved credit limit page on maib.md;
- enter your company’s IDNO and phone number;
- confirm with the received SMS code;
- Instantly view your calculated limit and submit your request.
Contracts can be signed remotely using an electronic signature, and funds can be accessed on the same day, following approval.
Results that speak for themselves
Every month, maib calculates over 20,000 pre-approved limits for non-agricultural companies and an additional 22,000 limits for deposit-backed guarantees – a proof of the trust this benefit enjoys among entrepreneurs. The solution is available to both existing maib clients and companies who have not yet partnered with the bank.
You drive. maib
