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Investment credit (non-Agro)
Confidence in development projects
up to 90% of the project
advantageous
up to 84 months
about
Are you confident that implementing modern, high-performance technologies in your business will increase efficiency and reduce costs? Are you planning to purchase efficient equipment, renew your vehicle fleet, or carry out major renovations of your property or equipment?
Investment loans are the right solution for expanding and developing your business.
Amount:
- up to 80% of the investment project value (in certain cases – 100%, depending on the planned investment and payback period)
- up to 70% of the investment project value, but not exceeding MDL 3,000,000 – for newly established enterprises.
Currency: loans can be granted in MDL, USD or EUR.
Term: up to 84 months.
Grace Period:
- up to 12 months for the loan principal;
- up to 3 months for interest.
Collateral
We offer flexible guarantee solutions, including the possibility to access loans without collateral for amounts up to MDL 3,500,000.
Advantages:
- rapid implementation of development plans;
- optimization of production costs;
- tailored repayment conditions;
- grace period available;
- possibility to obtain the loan without collateral;
- support for newly established businesses;
- access to additional sources of financing.
How to apply for an online loan
01
Fill in the online form
02
Coordinate all details remotely with maib. Receive the preliminary offer by email
03
Sign the necessary documents and take the money
To request the loan tranche or to refund the credit in advance, access the corresponding button
requirements
If you own a business registered in accordance with the current legislation, have a stable financial situation, and no outstanding debts or restrictions, you can apply for an investment loan tailored to your business needs.
commission fees
The floating interest rate is determined based on the reference index or the cost of funding (in the case of loans financed by International Financial Organizations). It is set at the time the loan is granted and depends on the financial segment, the client's credit rating, the level of collateral and the source of financing.
Rates and commissions, applied by maib to credit products.
required documents
- Company incorporation documents (except for maib clients);
- Other documents, upon the bank’s request.
- Documents related to the implementation of the investment project, depending on the financing purpose (cost estimates, sale-purchase or intent contracts, commercial offers, etc.) or, where applicable, a business plan;
- ID cards of the company administrator and founders;
frequent questions
When you fill in the loan application, you can also request the pledge registration service through maib.
Registering pledge through maib can only be used complementary to pledged loan applications and cannot be used as a "separate service".
Immediately after confirming the credit request, the documents will be notarized, and on the same day, the balances will be disbursed to the company's account.
- The registration service offered by maib allows the disbursement of balances on the same day as the submission of the loan application and the application for pledge registration through maib.
- It is no longer necessary to go to the PSA (Public Services Agency) to submit the documents for registering the pledged asset.
- The price for registering the mortgage right in favour of the bank in the Real Estate Register from PSA, within one working day, is 1.100 MDL/Cadastral Number. In contrast, the commission for the service of registering the real pledge through maib is 1.000 MDL/ Cadastral number.
A power of attorney is not required to apply for the pledge registration service through maib.
There are no hidden fees for the pledge registration service through maib.
The registration of pledge through maib can only be used complementary to pledged loan applications. It cannot be used as a separate service.
The service is available in all branches of the bank in Chișinău and is in force only for cadastral numbers in Chișinău jurisdiction.
The requirements for registering the pledge through maib:
The service may only be used for cadastral numbers not already pledged or encumbered with a mortgage or not owned by third parties.
The maximum amount of loan for which the registration service can be used is MDL 3 million.
The price for the pledge registration service through maib is 1.000 MDL/Cadastral number.
The bank can register the mortgage right in the Real Estate Register, and the money will be transferred to the company's account on the same day the application is submitted.
Description:
To simplify financing businesses, we decided to take over some of their responsibilities by launching the pledge registration through maib service.
How it works:
The service implies the registration of the mortgage right in favour of the bank in the Real Estate Register, for loan applications with a pledge of up to 3,000,000 MDL. The commission for this service is 1000 MDL/Cadastral number, regardless of the value of the pledged property.
Fees/Price:
The price for the pledge registration service through maib service is 1.000 MDL/Cadastral number
Benefits:
- The registration service offered by maib allows the disbursement of balances on the same day as the submission of the loan application and the application for pledge registration through maib.
- It is no longer necessary to go to the PSA to submit the documents for registering the pledged asset.
- The price for registering the mortgage right in favour of the bank in the Real Estate Register from PSA, within one working day, is 1.100 MDL/Cadastral Number. In contrast, the commission for the pledge registering service through maib is 1.000 MDL/ Cadastral number.
Requirements:
- The pledge registration service through maib can only be used for cadastral numbers not already pledged or encumbered with a mortgage or not owned by third parties and not undergoing foreclosure proceedings.
- The maximum amount of loan for which the pledge registration service from maib can be used is 3 million MDL.
- The service is only available in addition to pledged loan applications and cannot be used separately from the loan products offered by maib
submit your online credit application
fill in the fields below
submit your online credit application
introdu codul OTP primit la numărul de telefon +373
- step 1 of 2 legal entity data and credit details
- step of 2
Received!
the request has been successfully sent and will be processed from Monday to Friday, from 9:00 to 17:00.
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.