This financing program is launched with the support of the European Union and the EBRD, through the EU4Business initiative, to support Small and Medium-sized Enterprises (SMEs) in the Republic of Moldova in the process of modernization, improving product quality, and aligning with European standards. The objective is to facilitate SMEs’ access to the opportunities offered by the DCFTA Agreement.

The financing program includes:

• EBRD credit line disbursed through B.C. “ProCredit Bank” S.A.;
• Grants amounting to 10–15% of the loan amount, and free technical assistance financed by EU4BUSINESS.

Client benefits:

• Flexible program for diverse investment needs;
• Opportunity to align processes and products with European Union directives;
• Access to the EU market;
• Advantageous lending conditions;
• Repayment plan adapted to the specifics of the activity.

Beneficiaries of the financing project: Small and Medium-sized Enterprises (SMEs).

EU4Business – EBRD Credit Line with facilities

The EU4Business–EBRD Credit Line combines loan and leasing financing with free technical assistance and cash-back incentives that reduce investment costs, thus facilitating business modernization and growth.

Co-financed through the EU4Business initiative, the program is designed to help SMEs align with EU Directives, improve the quality of products and services, and promote environmental responsibility.

The program promotes open market access for countries such as Moldova within the Deep and Comprehensive Free Trade Area (DCFTA). It provides SMEs with the tools they need to increase competitiveness and benefit from export opportunities, leveraging Moldova’s relatively low cost base to compete effectively in EU and regional markets.

EU investment incentives of 10–15% are calibrated to support investments in more complex and costly technologies.

The EU4Business – EBRD Credit Line offers three types of loans:

• Pre-Approved Approach: Some projects only require the modernization of standard equipment. For EU-compliant equipment, we have developed the List of Eligible Technologies (LET), and for green technologies, the Green Technology Selector (GTS). Both can be financed directly through Partner Financial Institutions, with financing of up to the equivalent of EUR 300,000. A 10% grant is available after successful verification of project implementation.
• Simplified Approach: Fast-track procedures are available for smaller loans of up to EUR 300,000, intended for investments in improving product quality and safety in the agriculture and food processing sectors, as well as sanitary and phytosanitary (SPS) measures. The project consultant reviews the investment plan to ensure it meets very clear eligibility requirements. After successful verification of project implementation, a grant of up to 15% is available.
• Complex Approach: Loans of up to EUR 3 million are available for almost any modernization project in almost any industry or service sector. Investments requiring a more comprehensive technical and financial assessment may benefit from free technical assistance to optimize the investment plan and develop a business plan. After successful verification of project implementation, a grant of up to 15% is available.

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