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FACEM Impact
investments with impact for SME development
5,5 % / 6%
up to 24 months
up to 10 years
about
FACEM Impact is a financial product developed within the SME Development Facility in Moldova, funded by the German Federal Government through KfW Development Bank and implemented by the Organization for Entrepreneurship Development (ODA)..
The main objective is to facilitate SMEs’ access to long-term investment loans with fixed interest rates and favorable conditions for projects with economic and social impact, focusing on value-added activities and the creation of new jobs, including for women-led enterprises.
Conditions
Minimum amount: 200 000 MDL
Maximum amount: 5 000 000 MDL
Loan disbursement period: up to 6 months from ODA approval
Financing currency: MDL
Advantages
|
favorable fixed interest rate |
long-term financing |
interest rate compensation |
|
support for “green” investments and value-added projects |
grace period – up to 24 months. |
contribution to sustainable development and increased competitiveness |
Why choose maib for FACEM Impact?
- digital signing of contracts;
- flexibility in using credit limits;
- registration of movable collateral directly at the bank, without needing to visit a notary;
- ability to make payments to maib clients at any time, including weekends (24/7);
- extensive network and solid partnerships;
- transparent pricing;
- support for business development;
- customer appreciation and loyalty.
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
eligibility
Beneficiaries:
Applicants must:
- be registered in the Republic of Moldova, in accordance with SME Law No. 179/2016;
- have no debts to the national public budget;
- not be included in international sanctions lists;
- have financial statements submitted for at least the last 2 years;
- have investment projects that are not on the exclusion list (e.g., trade in tobacco, weapons, fossil energy, gambling, etc.).
Eligible expenses
- investments in fixed assets (equipment, machinery, computers, engineering networks);
- acquisition/construction/reconstruction of buildings/spaces with associated land;
- digital technologies, ICT licenses, software;
- upgrades for energy efficiency and green transition (heat pumps, solar panels, energy storage systems, etc.);
- consulting, engineering, training, and monitoring services for energy savings;
- raw materials and supplies necessary for the production process (up to 10% of the loan amount).
Examples of value-added activities (eligible)
- smart agriculture: greenhouse automation (IoT, smart weather stations, mobile app platforms, AI), drone use (multispectral monitoring, mapping, spraying, sowing), automated irrigation;
- manufacturing industry: acquisition of equipment/machines/systems for production automation and digitalization; hardware & IT&C necessary for project implementation; software/licenses, databases, and data integration/migration;
- in these sectors, energy efficiency and green transition upgrades are also eligible (equipment and/or renovations/rehabilitations of buildings used in the production process).
fees
- Loan origination fee in the amount of 0.5% of the approved loan amount;
- Fee for modifying contractual terms and fee for loan extension/renegotiation will be charged according to the Bank’s Fees and Commissions in force.
required documents
- company incorporation documents (except for existing maib clients);
- business plan and/or financial projections including a description of the investment, financial projections, job creation/retention, and, where applicable, energy efficiency indicators (kW saved/generated, CO2 reduction);
- self-declarations regarding eligibility according to product criteria, absence from sanctions lists, and consent for providing data necessary for evaluation;
- other documents requested by the bank/ODA.
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.