car loan for businesses

The auto loan through maib's partnerships is the ideal solution for businesses in the Republic of Moldova looking to purchase a vehicle quickly and efficiently for commercial activities. With zero down payment, no commissions, and a fully digital approval process, this financing product transforms the funding experience into a simple and effective process.

The financing is granted exclusively for the purchase of new or pre-owned vehicles from maib’s authorized auto partners.

Purpose: financing for the purchase of new or pre-owned vehicles from maib's authorized auto partners.

Loan amount: up to 100% of the vehicle's value.
No collateral required: până la 2,500,000 MDL
Repayment period: flexible, up to 60 months.
Guarantee: the purchased vehicle serves as collateral- no additional material collateral is necessary.
Digital process: the entire process - from application to signing - is handled online, quickly and easily.

Who is this loan for?

• small and medium-sized enterprises (SMEs) across various industries (transportation, delivery, distribution, consulting, etc.).
• growing micro-enterprises in need of fast mobility solutions.
• entrepreneurs wishing to replace or upgrade their vehicle fleet without affecting cash flow.

Why finance a vehicle through your business?

Financing a vehicle through the company provides multiple financial and fiscal benefits unavailable to individuals. Here are the key advantages:

1. Expense optimization - all costs related to purchase, maintenance, fuel, and repairs can be deducted directly from your company's income, helping you avoid using personal funds.
2. VAT recovery - if your company is VAT registered, you can reclaim the VAT on the vehicle purchase (either fully or partially), significantly reducing the overall cost of the investment.
3. Tax efficiency - your company's taxable income decreases by deducting car-related expenses and amortizing the asset. This results in a lower tax burden and, ultimately, significant savings.

Auto insurance included for your company’s safety

At maib, you can also benefit from comprehensive insurance solutions for your company vehicle, directly through the financing process:

• CASCO Insurance – providing complete protection for vehicles used for business purposes.
• Mandatory Internal Auto Liability Insurance (RCAI) – in accordance with current legislation, covering damages caused to third parties.

Benefits

0% down payment

0% commission

100% online

trusted auto partners

quick response

real support for businesses

How to apply for an online loan?