Maib – strategic partner in the FACEM Impact Program, supporting value-added investments and the green economy

Maib joins the national FACEM Impact initiative, launched by the Organization for Entrepreneurship Development (ODA), with the support of KfW Development Bank on behalf of the German Federal Government, to help small and medium-sized enterprises (SMEs) in the Republic of Moldova invest in modern technologies, energy efficiency, and value-added projects. 

FACEM Impact facilitates SMEs’ access to long-term investment loans with fixed rates under affordable conditions.

The program aims to: 

• increase competitiveness through investments in value-added activities; 
• accelerate the green transition and energy efficiency; 
• create new jobs, including by supporting female entrepreneurship. 

As a financial partner of the program, maib simplifies access to financing through digital, transparent, and fast processes, becoming a catalyst for the sustainable transformation of the entrepreneurial environment in the Republic of Moldova. 

Value-added activities are in the following areas:  

• agriculture: greenhouse automation, smart weather stations, use of drones, automated irrigation; 
• manufacturing industry: acquisition of technological equipment, systems, machines for automation/digitalization of production processes, purchase of hardware, IT and communications equipment, and the procurement, development, and/or adaptation of software applications/licenses necessary for production activities. 

Financing framework offered by maib  

• Currency: MDL 
• Minimum amount: MDL 200 000  
• Maximum amount: MDL 5 000 000  
• Term: up to 10 years 
• Grace period (principal): up to 24 months (no grace on interest) 
• Fixed interest rates for clients: 
  • 5,5% in MDL – for value-added activities 
  • 6,0% in MDL – for other activities 
• Loan origination fee: up to 0.5% of the loan amount 
• Disbursement period: within a maximum of 6 months from ODA approval 

Financing purposes   

• acquisition/installation of equipment, machinery, engineering networks, digital technologies, ICT licenses, and software; 
• acquisition/construction/reconstruction of buildings and related land; 
• energy efficiency (heat pumps, condensing boilers, photovoltaic/solar panels, inverters, energy storage systems, consumption control technologies, HVAC modernization, thermal insulation, etc.); 
• project-related services: consulting, engineering, training, monitoring. 

Key benefits for entrepreneurs 

• fast access to financing with fixed interest rates and favorable conditions; 
• extended term (up to 10 years) and grace period on principal (up to 24 months); 
• interest compensation for job creation: 
  • 0,75% for 1 job created; 
  • 1,5% for at least 2 jobs created;  
• consulting in investment structuring and flexibility in fund utilization; 
• possibility to access ODA guarantees where applicable. 

Maib – partner for sustainable economic growth 

Andrii Glevatskyi, maib Deputy Chair, Business Banking Division: 

"We are honored to be part of the FACEM Impact program, which combines economic development with responsibility toward the environment and the community. Through fixed interest rates, extended terms, and fast digital processes, maib supports SMEs to invest in technology, energy efficiency, and well-paid jobs. We are pleased to provide maib clients with another advantageous financing opportunity and will contribute, through our expertise, to helping as many businesses as possible increase their value and grow." 

Who is the program for 

FACEM Impact is dedicated to SMEs in urban and rural areas with growth potential, seeking innovation, energy independence, and positive community impact through value-added investments. 

How to apply:  

1. complete the online loan application on maib.md; 
2. maib registers the project on the FACEM platform; ODA evaluates eligibility; 
3. coordinate remotely (phone/email) the details with the maib team and receive the preliminary offer; 
4. sign the documents electronically and receive the financing. 

About maib 

Maib is the leader of the banking sector in the Republic of Moldova, a trusted partner for entrepreneurs, and a promoter of digitalization, innovation, and responsible financing. 

About ODA and FACEM 

ODA manages the Entrepreneurship and Economic Growth Fund in Moldova (FACEM), providing financial instruments for SME development, including credit lines with external resources, guarantees, and support programs. 

About KfW Development Bank 

KfW Development Bank represents the German Federal Government in financial cooperation projects, supporting the green transition, competitiveness, and economic inclusion. 

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