сurrent accounts
find out more
pre-set credit limit
financing that builds the future of your business
2 hours
up to 60 months
up to MDL 2 mln
about
The credit limit is the amount calculated for your business and/or for refinancing loans, which you can use whenever you need it.
Based on turnover and the transactions through maib accounts, this solution acts as an instantly available financial reserve. It is calculated online, monthly or automatically based on your company's official data and can be used in full or in part, whenever you need to support growth plans, investments or urgent needs.
Pre-set limit types (depending on the guarantee):
- Secured limit - granted for loans secured by real assets (real estate, equipment, warehouse, etc.)
- Unsecured limit - granted on the basis of non-material collateral (surety, assignment of claims, etc.), up to MDL 2 million
Purpose of using the pre-set limit
- Documentary operations - unsecured or deposit-backed bank guarantees, up to the amount calculated
- Working capital - to finance current activity
- Investments - up to the amount calculated
- Refinancing - ideal for companies wishing to refinance existing loans with other financial institutions, without granting commission
Benefits
no pledge |
rapid granting |
without examining the file |
How to find out the credit limit?
01
Enter your company IDNO and phone number
02
We will call you back to tell you your credit limit
03
Request the calculated limit and pick up the money
If the amount you need exceeds the calculated amount,
we will select a good product for your business purposes.
frequent questions
It is a calculated amount that you can access easily and quickly to finance your business. It is automatically calculated online based on official company data and is available without any additional paperwork. Flexible and accessible - the limit can be used for any credit product offered by maib.
Go to the "Preset loan limit" page on maib.md, enter your company IDNO and phone number, then confirm with the code received by SMS. You instantly see your available limit. You can also find out the calculated limit for your company by visiting any X branch - and you can access the funds the same day.
Yes. The limit can be granted without collateral (unsecured), depending on the financial profile and the purpose of the financing. The amount can be up to MDL 2 million for unsecured loans.
After submitting the application and signing the loan agreement, the funds can be transferred to the company's account on the same day (within a few hours, depending on the type of loan and the signing of the documentation).
Yes. Potential customers who do not have open accounts with maib can also check the limit. Once approved, account opening and loan processing is fast, including online.
You can apply for a refinancing limit - i.e. the amount needed to pay off your existing loans at other institutions, free of any origination fee. The process is simple, with no extra paperwork, and available 100% online for maib customers.
All legal forms are eligible: LLC, sole proprietorship, Peasant Households, Law Firm, Notary Office, Self-Employed Individuals, companies in the agricultural or non-agricultural sector, including legal entities that are not obliged to submit financial statements.
- up to 5 years for current activity and investments or refinancing of existing loans/borrowings from other financial institutions
- with grace period up to 8 months for agriculture)
Yes, maib accepts electronic signatures (e.g. mobile signature, MobiSign, eID). You can sign your documents remotely without having to go to the bank.
Fees are charged at standard tariffs. There are no fees for refinancing loans above the pre-set limit, so you will only repay the principal and interest according to the payment schedule.
The pre-set limit cannot be calculated if:
- you are a bank related person
- the company is fiscally inactive
- there are arrears or major banking incidents
- BIC report is not available (in the case of refinancing)
- the company has not been in business for at least 12 months
- official data declared do not allow the company to be placed within an acceptable risk limit
You can apply for a standard loan. Maib consultants will guide you in choosing a customized solution based on your detailed financial situation and the purpose of your investment.
Yes. The loan limit is not fixed or permanent, but is recalculated periodically (usually monthly) for eligible customers, as well as online at the time of application, based on the latest available company data.
take the first step
enter your company IDNO and phone number to check your company's available credit limit
confirm the request
- step 1 of 2
- step 2 of 2
sign with OTP
to confirm, enter the 6-digit code received via SMS to the number +373
credit limit information
the calculated limit is indicative and does not involve the bank in contractual commitments
available limit amount: MDL
available limit amount:
we guarantee the security of the information provided when completing the online request
Apply now
Congratulations!
Your request has been successfully sent and will be processed Monday to Friday between 9:00 AM and 5:00 PM.
If you submitted your request outside working hours, on weekends or other holidays, we will contact you on the next working day.
mulțumim pentru solicitare
incă nu beneficiezi de o limită de credit. vom reveni cu un apel în cel mai scurt timp pentru a discuta o ofertă dedicată.
pentru detalii ne poți contacta la numărul 1314
Service Unavailable...
Mulțumim pentru solicitare
numărul de telefon introdus nu corespunde celui înregistrat la maib sau este eronat.
Poți verifica limita de credit repetat sau ne poți contacta la numărul 022 022 428.
