Loans

Receive timely financial support to accelerate your business growth and development

Why choose financing for your business with NLB Banka?

Competitive interest rates, flexible repayment terms, grace period options, and a fast, streamlined application process – everything your business needs for stable and sustainable growth

Loan term

5 to 10 years

Long-term loan from the Bank’s own funds for Investment in capital assets

Trusted support for the accelerated growth of your business

Dedicated credit line for micro, small and medium enterprises, supporting the growth and development of businesses across various industries

Flexible financing solutions for investment projects (up to EUR 500.000), permanent working capital (up to EUR 300.000), and export activities (up to EUR 2.000.000)

Favorable repayment terms, including up to 11 years for investment projects with a 12-month grace period and up to 3 years for working capital financing with a 6-month grace period.

Grace period – subject to the project’s cash flow

Loan term

1 to 3 years

Short-term loan from the Bank’s own funds for working capital

Investment for the successful growth of small and medium-sized enterprises (SMEs)

Interest rate – fixed / variable, linked to the NRKS (National Reference Interest Rate) or EURIBOR

Collateral – mortgage, pledge, and bill of exchange executed as a notarized deed

Term

up to 15 years

Financing of renewable energy projects

Energy from nature – an investment in the future!

Financing and refinancing of renewable energy projects supporting sustainable development, energy efficiency, and reduction of CO₂ emissions

Eligible projects include solar, wind, geothermal, biomass, and small hydro energy, as well as transmission, distribution, smart metering, installation, and maintenance technologies

Financing of green infrastructure and mobility solutions, including zero-emission vehicles, rail transport, bicycle infrastructure, EV charging points, hydrogen stations, and water and wastewater systems.

Long-term financing terms, including loan currency in EUR/MKD and grace period up to 12 months

Term

up to 20 years

Project financing

Financing of renewable energy projects, including photovoltaic (solar) plants, wind farms, small hydropower plants, biomass, and geothermal energy solutions.

Financing of residential and commercial real estate developments, supporting construction of housing and business facilities.

Standard financial structure, including equity participation of 20–30% of the total project value and repayment terms of up to 20 years, depending on project structure and agreement

Flexible financing conditions, including grace period aligned with the construction and commissioning phase, and interest rates varying based on funding source and project viability