Site Map   мк   en

   Home    Contacts    NBG Group

CONTACT INFORMATION:
STOPANSKA BANKA AD - SKOPJE

 

24 hours CONTACT CENTER (02) 3100 109

 

address:
11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

fax:
+ 389 (02) 3114 503 

e-mail:
kontaktcentar@stb.com.mk

 


 

 

Working capital loan

 

CHARACTERISTIC  OF  WORKING CAPITAL LOAN
Comparative  advantages
  • Simple procedure and competitive conditions
  • Flexible loan which perfectly fits to your business
Product types
  • Revolving credit line
  • Letters of credit
  • Guarantees
  • Fixed term loan
Purpose
  • Refinancing
  • Liquidity support
Amount

Up to EUR 200,000 

Currency

MKD/ EUR

Annually interest rate
  • EURup to 9%
  • MKDup to 11%

 

Tenor

Credit line is for a period of 5 years, with annual review. Short-term loans, letters of credit and guarantees issued within the credit line are with a period up to 1 year

Disbursement

To the client / seller gyro account

Repayment
  • Min. 3% of the principal and 100% interest, monthly
  • Equal monthly annuities 
  • up to 12 months
Expenses
  • 1,000 MKD application fee, once off (upfront)
  • Up to 1% management fee yearly (upfront)                                                                                                                    N/A for refinancing for the first year                                              
  • 5,000 MKD appraisal fee (only for the first appraisal)
  • No early closing fee
Collateral
  • Mortgage of the real estate
  • Deposit
  • Bill of exchange
Loan / collateral ratio depends on the solvency of the company and the location of the estate
Credit criteria
  • Legal entities registered in R Macedonia
  • Profitable company 
  • Creditworthiness  of the company analysed by credit officer of the Bank
Required Documentation  for Application
  • Application for Credit line
  • Original registration document and authorised signature from the Central Register
  • Official financial statements for the last 3 years
  • Interim financial statements
  • Valid documents for appraisal
Print