WB6 IIP
Western Balkans Six
Investment Incentives Platform
The Western Balkans Six Investment Incentive Platform is the first of its kind in the region, providing detailed information on available incentives in each of the WB6. It is one of the key measures under the Regional Investment Area, which is part of the Common Regional Market Action Plan 2021-2024.
Developed with input from Investment Promotion Agencies (IPAs) across the region, the platform includes both financial and non-financial incentives, categorized by type, sector, and target audience.
It provides comprehensive information for investors looking to invest in the WB6. As an evolving resource, the platform will be updated every six months to ensure it remains current and relevant.
Individual portfolio guarantee for large companies of up to 50% of the loan
- Economy name
- North Macedonia
- ID
- N64
- Incentive name
- Individual portfolio guarantee for large companies of up to 50% of the loan
- Brief description
- Support of micro, small and medium trading enterprises in North Macedonia for easy access to finance necessary for their functioning at times of economic and health crisis.
- Legal reference name
- Development Bank of North Macedonia Products
- Legal reference
law section / article -
up to 80% of loans classified in A risk category for working capital,
up to 50% of loans classified in A risk category for fixed assets, and
up to 35% of loans classified in B risk category for fixed or working capital.
The total absolute amount to be paid from the guarantee fund may not exceed 30% of the guaranteed portfolio by bank or savings house.
- Incentive group
- Financial
- Incentive category
- Guarantee
- Economy-wide/Sector-specific
- Economy-wide
- Sector (Simplified)
- All sectors
- Sector (NACE)
- N/A
- Size of firm that can use incentive
- Micro (1-9) & SMEs (10-249)
- Level at which incentive is available
- Economy-wide
- Ownership of firm that can use incentive
- Domestic
- Incentive location
- General
- Main objective of the incentive
- Market expansion
- In case of grant, share of grant in investment (in %)
- Contact Info
-
Development Bank of North Macedonia 26 “Dimitrie Chupovski” Str.
Skopje, 1000, PO box 379,
Tel.: 02/3115-844, 02/3114-840 ext. 123, 126.
e-mail: kreditiranje@mbdp.com.mk
- Weblink to Incentive information in English
- Weblink to Incentive information in local language
- Eligibility criteria
description -
to be classified in A risk category or to have no liabilities to banks in accordance with the data from the credit registry of the Central Bank of North Macedonia,
to have an approved credit limit for insurance for the foreign buyer and a concluded insurance policy for commercial risks with DBNM,
the indicator for the level of financial indebtedness to be less than 3 (ratio between total liabilities on loans and credits and principal reserves). The indicator is calculated on the basis of a balance sheet database from the last fiscal year,
the debt ratio indicator to be less than 6 (ratio between total liabilities and principal and reserves). The indicator is calculated on the basis of balance sheet data from the last fiscal year,
the current liquidity ratio should be at least 0.7 (ratio between current assets and short-term liabilities). The indicator is calculated on the basis of a balance sheet database from the last fiscal year,
the indicator for fast liquidity to be at least 0.35 (ratio between current assets reduced for inventories and short-term liabilities). The indicator is calculated on the basis of a balance sheet database from the last fiscal year,
to have principal and reserves stated in the balance sheet in the financial statements for the last fiscal year in an amount of not less than 33% of the requested loan amount,
in the last fiscal year to have achieved a positive financial result in the income statement and
to have no unpaid liabilities to the state (taxes and contributions), in accordance with the certificate of paid taxes and contributions issued by the Public Revenue Office, not older than three months from the day of submitting the request for issuance of the guarantee.
- Eligibility criteria
weblink
- Awarding Authority (Name)
- Development Bank of North Macedonia
- Application procedure + Weblink (where available)
- https://www.mbdp.com.mk/Upload/Images/baranje-za-individualna-garancija-gf.pdf
- Implementing Authority (Name)
- Development Bank of North Macedonia