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Do you have to pay the bills, but your customers postpone the payment for the services provided or the goods delivered every day?
Can you get a significant discount on the purchase of a batch of goods, but do not have enough money in your accounts?
The overdraft is the right solution to cover financial discrepancies when expenses temporarily exceed the company's income. When approving the credit limit, up to 50% of the average monthly receipts for the last 12 months are considered.
Amount:
- up to 1,500,000 lei, without cash collateral;
- up to 2,500,000 lei, insured with collateral.
Term: up to 36 months.
Benefits:
- quick access to funds to pay for urgent bonds;
- interest is paid on the actual overdraft balance. Thus, in the case of daily payment, the overdraft becomes one of the cheapest loans;
- saving time and means when using the overdraft;
- without supporting documents for the use of money;
- business continuity is maintained.
How to apply for an online loan
01
Fill in the online form
02
Coordinate all details remotely with maib. Receive the preliminary offer by email
03
Sign the necessary documents and take the money
requirements
Apply for the loan if:
- you own a company engaged in wholesale and retail trade, service provision;
- you own a company, the activity of which faces short-term financial discrepancies, cash outflows and inflows;
- the company is registered according to the legislation in force;
- through the current account, opened at maib, a permanent flow of over 70% of sales is registered, during at least 6 months.
commission fees
The interest rate and related fees are set individually when granting the loan depending on your financial profile.
We are waiting for you at maib or you can request a call to establish the offer.
required documents
- Identity card of the administrator and of the founders;
- Other documents that the bank may request.
frequent questions
When you fill in the loan application, you can also request the pledge registration service through maib.
Registering pledge through maib can only be used complementary to pledged loan applications and cannot be used as a "separate service".
Immediately after confirming the credit request, the documents will be notarized, and on the same day, the balances will be disbursed to the company's account.
- The registration service offered by maib allows the disbursement of balances on the same day as the submission of the loan application and the application for pledge registration through maib.
- It is no longer necessary to go to the PSA (Public Services Agency) to submit the documents for registering the pledged asset.
- The price for registering the mortgage right in favour of the bank in the Real Estate Register from PSA, within one working day, is 1.100 MDL/Cadastral Number. In contrast, the commission for the service of registering the real pledge through maib is 1.000 MDL/ Cadastral number.
A power of attorney is not required to apply for the pledge registration service through maib.
There are no hidden fees for the pledge registration service through maib.
The registration of pledge through maib can only be used complementary to pledged loan applications. It cannot be used as a separate service.
The service is available in all branches of the bank in Chișinău and is in force only for cadastral numbers in Chișinău jurisdiction.
The requirements for registering the pledge through maib:
The service may only be used for cadastral numbers not already pledged or encumbered with a mortgage or not owned by third parties.
The maximum amount of loan for which the registration service can be used is MDL 3 million.
The price for the pledge registration service through maib is 1.000 MDL/Cadastral number.
The bank can register the mortgage right in the Real Estate Register, and the money will be transferred to the company's account on the same day the application is submitted.
Description:
To simplify financing businesses, we decided to take over some of their responsibilities by launching the pledge registration through maib service.
How it works:
The service implies the registration of the mortgage right in favour of the bank in the Real Estate Register, for loan applications with a pledge of up to 3,000,000 MDL. The commission for this service is 1000 MDL/Cadastral number, regardless of the value of the pledged property.
Fees/Price:
The price for the pledge registration service through maib service is 1.000 MDL/Cadastral number
Benefits:
- The registration service offered by maib allows the disbursement of balances on the same day as the submission of the loan application and the application for pledge registration through maib.
- It is no longer necessary to go to the PSA to submit the documents for registering the pledged asset.
- The price for registering the mortgage right in favour of the bank in the Real Estate Register from PSA, within one working day, is 1.100 MDL/Cadastral Number. In contrast, the commission for the pledge registering service through maib is 1.000 MDL/ Cadastral number.
Requirements:
- The pledge registration service through maib can only be used for cadastral numbers not already pledged or encumbered with a mortgage or not owned by third parties and not undergoing foreclosure proceedings.
- The maximum amount of loan for which the pledge registration service from maib can be used is 3 million MDL.
- The service is only available in addition to pledged loan applications and cannot be used separately from the loan products offered by maib
submit your online credit application
fill in the fields below
submit your online credit application
introdu codul OTP primit la numărul de telefon +373
- step 1 of 2 legal entity data and credit details
- step of 2
Received!
the request has been successfully sent and will be processed from Monday to Friday, from 9:00 to 17:00.
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.