EBRD 2020 is one of the projects that aims to support the development of micro, small, and medium-sized enterprises in the Republic of Moldova by creating a favorable environment for private sector development, promoting European standards in various sectors, and integrating domestic producers regionally in order to bring them closer to their markets.

The project offers the following advantages:

- The possibility of purchasing real estate for business purposes;
- Total financing – up to 100% of the sub-project cost;
- Resources convertible into MDL and used on the territory of the Republic of Moldova.
- Covers all eligible areas of activity (agricultural profile, producers, exporters/importers, pure trade).

See project details.

OTP Bank, in collaboration with the EBRD and the European Union, presents the "EaP SMEC" project for the development of your business, which is part of the EU4Business initiative to improve the competitiveness of small and medium-sized enterprises in the Eastern Partnership countries.

The project offers the following benefits:

- Grant portion for any funded project - from 10 to 15% of the loan amount;
- Free international technical assistance and independent consulting, provided at any level of project implementation;
- The possibility to apply for an unlimited number of projects within the maximum loan amount.
- Covers all eligible areas of activity (agricultural profile, producers, exporters/importers, pure trade).

See project details.

The Project to Support Women Microentrepreneurs and Young Entrepreneurs in Rural Areas, part of the "Rural Transformation Capacity Building Project" (TRTP) launched by OTP Bank in collaboration with the International Fund for Agricultural Development (IFAD) and the Government of the Republic of Moldova, offers advantageous financing solutions for investments in the agricultural and agriculture-related sectors, accessing financial resources with a GRANT component from IFAD 8 project funds, addressed to Women Micro Entrepreneurs and Young Entrepreneurs in rural areas.

The project offers the following advantages:

- Interest-free grant component of up to 40% (max. 320,000 lei), available to young and women entrepreneurs
- Exemption from customs and VAT procedures (zero tax rate)
- Attractive interest rates and other fees.
- Term of up to 8 years with a grace period of up to 4 years.

See project details.

To overcome the crisis caused by COVID-19, OTP Bank SA offers its customers a credit line financed by the European Council for Development (CEB), together with the Government of the Republic of Moldova through the Ministry of Finance and I.P. External Assistance Program Management Office, which supports SMEs in the Republic of Moldova with sufficient cash flow to continue their activities and create sustainable jobs.

The project offers the following advantages:

- 10% of the total amount of the sub-loan will be financed from the resources of IFAD 3 re-lending, IFAD 4 re-lending or IFAD 5 re-lending of IP OGPAE, with a zero percent interest rate (the principal amount being repayable).
- The term of financing for investments is up to 6 years and for working capital up to 4 years, maximum until June 10, 2027.
- Covers all eligible areas of activity (agricultural profile, producers, exporters/importers, pure trade).

See project details.

OTP Bank S.A. provides you with financial resources under the Re-lending Lines to support and develop your business. The projects are implemented by the Government of the Republic of Moldova through the Ministry of Finance and the I.P. Office for the Management of External Assistance Programs in partnership with OTP Bank S.A.

FIDA 1 - 7 re-lending:

The purpose of financing from the re-lending programs is to provide funds to companies that need to make investments to improve production, purchase equipment, modernize technology, and increase ongoing business activity by financing working capital for the work performed. these credit lines are suitable for manufacturing enterprises, commercial companies, and service providers in various sectors of the national economy.

The projects offer the following advantages:

- The term of financing for investments is up to 7 years and for working capital up to 4 years.
- The maximum amount for investment and working capital loans is up to USD 400,000.

See project details.

Competitiveness Improvement Project (PAC) phases 1 and 2, refinancing:

Companies involved in any eligible sector of the national economy in the field of production or service provision, as well as commercial companies, including newly formed enterprises, are eligible for financing under the PAC 1 and 2 refinancing programs.
Projects involving investments in productive fixed assets, machinery, spare parts, and construction are eligible, as is the financing of independent working capital for the purchase of raw materials and goods to maintain business continuity.

The projects offer the following advantages:

- Investment financing term of up to 8 years and working capital financing term of up to 4 years
- Maximum amount for investment loans of up to EUR 800,000 and working capital loans of up to EUR 500,000.

See project details.

Rural Investment and Services Project (RISP) phases 1 and 2, refinancing:

The objective of the Programs is to stimulate the growth of the agricultural sector and other eligible sectors of the national economy in the Republic of Moldova by providing entrepreneurs with access to long-term financing on favorable terms, thus ensuring the sustainability of their businesses, increasing their revenues through increased access to new markets, creating jobs, and, as a result, aiming to ensure sustainable economic growth.

The project offers the following advantages:

- Investment financing terms of up to 7 years and working capital financing terms of up to 3 years.
- Maximum amount for investment and working capital loans of up to USD 400,000.

See project details.

Livada Moldovei re-lending

The program is a financing project aimed at individuals who are entrepreneurs and legal entities operating in all eligible areas of activity: agriculture (cereal growing, animal husbandry, and fish farming), horticulture and/or viticulture (fruit growing, viticulture/oenology), vegetable growing, floriculture (medicinal and decorative plants), agrotourism/wine tourism, forest strips, landscaping; the field of production or provision of services, as well as pure trade.

The project offers the following advantages:

- Investment financing term of up to 7 years and working capital financing term of up to 4 years.
- Retro-financing of expenses incurred no more than 180 days ago.
- Maximum amount for investment loans up to EUR 800,000 and working capital loans up to EUR 400,000.

See project details.

KfW refinancing

The program is launched to finance eligible investment projects in all sectors of the national economy in the field of production or service provision, with priority given to the rural sector.

The project offers the following advantages:

- The term of financing for investments is up to 7 years and for working capital up to 2 years.
- The maximum amount for investment loans is up to EUR 200,000 and for working capital max. 30% of the investment amount.

See project details.

The Support Project for Micro and Small Enterprises in Rural Areas under the Rural Transformation Capacity Building Program (TRTP) FIDA VIII, launched by OTP Bank in collaboration with the International Fund for Agricultural Development (IFAD) and the Government of the Republic of Moldova, offers advantageous financing solutions for investments and associated or independent working capital for business development in the agricultural sector and related agricultural or non-agricultural income-generating activities.

The project offers the following advantages:

- Exemption from customs duties and VAT (zero tax rate);
- Attractive interest rates and other fees.
- Term of up to 8 years with a grace period of up to 4 years.

See project details.

OTP Bank, in collaboration with the Moldova Entrepreneurship and Economic Growth Fund (hereinafter "FACEM") and IP Organization for Entrepreneurship Development (hereinafter "IP ODA"), regarding the use of funds lent to the Republic of Moldova by Bank Gospodarstwa Krajowego (hereinafter referred to as "BGK"), offers you advantageous financing solutions for investments related to energy efficiency, energy transition, and climate change adaptation measures.

The main objective of the facility is to stimulate the growth of the national economy by providing Moldovan companies with accessible financial resources on favorable terms.

The project offers the following advantages:

- Financing of investment projects of SMEs investing in equipment, machinery, installations, and real estate.
- Attractive interest rates and other fees.
- Grant component in the form of free technical assistance (e.g., business plan development).

See project details.

Would you like to benefit from GRANT financing of up to 30% of the financing amount?
To this end, OTP Bank, in collaboration with the Government of the Republic of Moldova through the Ministry of Finance and I.P. Office for the Management of External Assistance Programs, offers you advantageous solutions for financing investments and associated working capital for business development in the agricultural sector, accessing financial resources with a GRANT component from the FCA project funds.

The project offers the following advantages:

- GRANT of up to 30%
- Facilitation of business development by granting credit accompanied by a cash grant;
- Attractive interest rates and other applicable fees.

See project details.

OTP Bank, in collaboration with the Fund for Entrepreneurship and Economic Growth of Moldova (hereinafter "FACEM") and IP Organization for Entrepreneurship Development (hereinafter "IP ODA"), with regard to the use of funds lent to the Republic of Moldova by the German Federal Ministry for Economic Cooperation and Development and managed by the German Development Bank (hereinafter referred to as "KFW"), offers advantageous financing solutions for investments related to stimulating economic growth, increasing competitiveness in global markets, and promoting sustainable development.

The main objective of the facility is to finance investment projects in value-added activities, create jobs, and provide a sustainable platform for promoting inclusive economic opportunities, especially for women-led businesses, and for strengthening the broader financial ecosystem.

The project offers the following advantages:

- Financing of investment projects on accessible and comfortable terms for entrepreneurs who want to develop their businesses, especially for investments in value-added activities;
- Accessible financial resources with favorable interest rates in MDL
- Annual interest compensation for the beneficiary
- Financing projects will benefit from tax and customs facilities

See project details.
Exclusion List.