We know what it’s like to finance businesses 100% online. Since 2022, over 3,000 maib business clients have chosen to apply for loan online

What does customer centricity mean in maib’s vision? 

Including 100% online lending and smart solutions for businesses. Since the launch of the 100% online lending system in September 2022, companies in the Republic of Moldova can access financing without physically visiting maib and without bureaucracy. It’s simple. 

maib.md website, documents can be signed with an electronic signature, and the funds are transferred directly to the company’s account. 

It’s more than just a feature – it’s an operational culture. And the numbers speak for themselves:  

• since 2022, maib has processed over 4,000 fully digital loan applications.
• 56% of all granted loans are signed electronically, including tranche disbursements from credit lines.
• 95% of bank guarantees are issued exclusively online – from request to signing.
• Contracts can even be signed from abroad, in record time.

These figures reflect a client-centered system that is reliable and deeply integrated into maib’s operational infrastructure. It is a well-established service that continuously evolves to quickly meet the real demands of the business environment. 

Victor Cojocari, Product Owner in the Business Banking Lending Department says: 

"Digitalization means optimized, tested, and scalable processes. This is the third year we have been offering our business clients the possibility to access financing, sign documents, and manage loans exclusively online. It’s more than just an option; it has become a common practice that saves time, eliminates bureaucracy, and puts the client in control. 

Electronic signatures give companies the flexibility to sign documents whenever and wherever it’s convenient for them, including from abroad. Thus, time is no longer spent on trips but invested in what truly matters: business development.” 

3 steps for a 100% online loan:

1. fill out the application directly on maib.md.
2. receive the offer (centrally reviewed) and sign the documents with an electronic signature.
3. receive the funds directly into your account – fast, secure, and without any visits.

And more: you can manage the entire process remotely: 

• early repayment – 100% digital;
• disbursement of loan tranches – 100% digital;
• issuance of guarantees – signed and delivered online;
• signing of additional documents – surety contracts, confirmation documents, etc.

The vision of the maib business team is to offer entrepreneurs flexibility, speed, and autonomy in their relationship with the bank, so they can invest their time where it matters most: in growing their business. 

You drive. maib