Grow your business with a fixed interest rate of 8.88% – the new maib offer for entrepreneurs

Maib continues to support the development of businesses in non-agricultural sectors by offering flexible financial solutions tailored to the current needs of entrepreneurs. From October 8, 2025, to December 31, 2025, companies operating in trade, industry, transport, HoReCa, printing, and other non-agricultural fields can access fixed-rate business loans, designed to provide stability, predictability, and quick access to capital. 

Offer details 

• 8,88% fixed interest rate, applicable until September 30, 2026, for secured loans with a repayment term of up to 60 month; 
• 9,88% fixed interest rate for unsecured loans, applicable until September 30, 2026, with a repayment term of up to 60 months and a loan amount of up to MDL 3,500,000; 
• purpose of the loan – financing business expenses, including mixed purposes for current expenses and investments (purchases, equipment or vehicle repairs); 
• loan currency – MDL. 

All loans are granted in a single installment, with no grace period, allowing you to access the funds immediately and use them efficiently. 

Irina Efremova, Senior Product Manager within the Business Banking Lending Department, maib: 

“Through this campaign, we aim to offer our clients more than just financing — we offer stability. A fixed rate means control over costs and the freedom to invest in growth, regardless of market fluctuations. The maib team believes in entrepreneurship, and we take on the role of a trusted partner for every business that seeks to grow.” 

The offer is designed to cover a wide range of business needs: 

• purchasing inventory and paying suppliers; 
• covering daily operational expenses and salaries; 
• investing in equipment, repairs, or upgrades; 
• expanding operations and diversifying services; 
• refinancing existing obligations with other financial institutions. 

Eligible businesses include those operating in: 

• trade (food products, clothing, home appliances, pharmaceuticals, etc.); 
• manufacturing industry (food products, textiles, wood processing, etc.); 
• HoReCa (opening or modernizing restaurants and cafés); 
• printing (equipment and machinery for printed materials production); 
• other non-agricultural sectors. 

Advantages of maib fixed-rate loans 

• financial stability – cost predictability regardless of market fluctuations; 
• quick access – no collateral required for loans up to MDL 3,500,000; 
• flexibility – available for mixed purposes: operational and investment expenses; 
• business continuity – supports supplier relationships, ensures salary payments, and helps avoid business interruptions. 

How to apply? 

The application process is fast and simplified:  

1. fill out the loan application on maib.md; 
2. receive a preliminary offer directly by email; 
3. sign electronically and get your loan quickly. 

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