Preapproved credit limit from maib: financing calculated in advance, available instantly

In business, opportunities don’t wait. Whether it’s a strategic investment, an urgent supplier payment, or simply the need to move forward without bureaucratic delays, time is your most valuable resource. That’s why maib offers companies a preset credit limit – a financing solution available exactly when you need it.

Automatically calculated and updated, monthly or instantly online upon request, the preapproved credit limit gives you access to financing without extra paperwork or complicated procedures. It’s designed so entrepreneurs can quickly see a clear funding option and decide for themselves when and how to use it.

Marina Balan, Product Owner, Business Banking Lending Department, maib:

„Entrepreneurs need solutions that are fast, clear, and flexible. The preapproved credit limit is exactly such a tool: it reduces waiting time, simplifies the process and gives companies access to financing when they need it most. It is one of the ways maib supports clients more efficiently, more accessibly, and in closer alignment with the realities of today’s business environment.”

A flexible solution tailored to company

The preapproved credit limit can be used to support daytoday operations, fund investments, issue bank guarantees, or refinance existing loans. Your company can access the full amount or just part of it, depending on its needs, and contracting can even be done online with the electronic signature.

Key advantages:

• financing up to 2 million MDL without collateral;
• financing up to 5 million MDL with collateral, depending on the company profile;
• for refinancing – amounts up to 10 million MDL;
• fast approval without additional documentation, based on declared financial data or account turnover with maib
• financing terms of up to 5 years;
• refinancing with no fees;

One tool, multiple paths for growth

The preapproved credit limit can be used for different types of financing, depending on the stage of your business:

• working capital, for operational expenses and daytoday needs;
• investments, for development, modernization, or expansion;
• trade finance instruments, including bank guarantees, secured or unsecured;
• refinancing, for loans contracted with other financial institutions

Available to a wide range of entrepreneurs

This solution is designed for various legal forms of activity, including LLCs, sole proprietorships, farms, law and notary offices, as well as selfemployed individuals.

For microenterprises that do not submit financial statements, maximum limits without collateral of up to 500.000 MDL are available.

Simple, convenient and just one click away

Checking the available limit is simple and fast at just one click away. The company enters its IDNO and phone number in the form, confirms with the code received by SMS, and instantly sees the calculated limit. If it chooses to access financing, the request can be submitted immediately, and the contract can be signed remotely with an electronic signature.

Once approved, the funds can be available the very same day.

A benefit valued by entrepreneurs

Monthly, maib calculates over 20.000 preapproved credit limits and more than 25.000 preapproved guarantee limits backed by deposits. These figures highlight the strong demand for a solution that directly addresses a real need: fast access to financing.

The preapproved credit limit is available both to existing maib clients and to companies that are not yet working with the bank.

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