» Loans, guarantees and documentary credits to large companies
» Loans, guarantees and documentary credits to small and medium companies
» Micro crediting
» Effective interest rates

LOANS, GUARANTEES AND DOCUMENTARY CREDITS TO LARGE COMPANIES

· Short-term loan

Direct financing upon the most favorable terms and conditions.
The short-term loan can be approved as separate loan or can be included in the framework limit.

Characteristics

   > Purpose
      - For working capital

   > Validity period
      - Up to 12 months

   > Currency
      - Dollars, EUR, USD or another currency

· Letters of guarantee (L/Gs)

At the request of its client, Stopanska banka issues all types of guarantees home and abroad, such as: Performance guarantees (tender-bid bonds, guarantees for good performance, guarantees for good performance within the guarantee period, retention money, advance payment and others), Payment guarantees (under financial and commercial loans, for securing of debt in customs procedure and others), counter- guarantees, etc.

By issuing guarantees according to your needs, the bank becomes a guarantor for your success.

» Read more

· Letters of credit (L/Cs)

At the request of its clients, the Bank issues documentary credits for payment abroad, as one of the most secure and common used international payment instruments.

The Bank advises the received documentary credits to beneficiaries in the country and abroad and transfers the received documentary credits to the second beneficiary by order of the middleman.

With Stopanska banka, you are sure that you will pay for the ordered goods, you are sure that you will collect the value of exported goods...

» Read more

· Framework limit

If you are interested in fast and flexible financing which shall correspond to your financial needs, then be sure this product is ideal for you. The framework limit is issued up to certain amount, so-called limit for certain time period. In the frameworks of this period, you can also use: long-term loans, short-term loans, L/Gs or L/Cs.

Characteristics

   > Purpose
        - Support of the current operations, loans, L/Gs and L/Cs.

   > Repayment period
        - On revolving principle or by previous agreed repayment dynamics for the separate loans.

   > Currency
        - Dollars, EUR, USD or another currency.

· Long-term or investment loan

If you are interested in direct financing upon the most favorable terms and conditions for a period longer than 12 months, then you should chose this product.
If you chose an investment loan, it is necessary to submit an investment program (business plan) enclosed with the required documents.

Characteristics

   > Purpose
        - Purchase of equipment, construction of buildings, financing of separate projects or rescheduling of your debt.

   > Repayment period
        - By previous determined equal installments (monthly, quarterly or semi-annually) and possibility for grace period                 

   > Currency
        - Dollars, EUR, USD or another currency.

LOANS, GUARANTEES AND DOCUMENTARY CREDITS TO SMALL AND MEDIUM COMPANIES

EACH COMPANY NEEDS A SUPPORT BY STABLE AND SERIOUS BANK.
STOPANSKA BANKA OFFERS THE FOLLOWING PRODUCTS:

· Short-term loan

The Bank finances the needs of working capital of the Company up to one year at most. The amount of the financial support depends on the client's needs. These loans are generally used for purchase of raw-materials, manufactured products for sale, for preparation of export, for liquidity, etc. The short-term loans can be in MKD, EUR or another currency.

· Letters of guarantee (L/Gs)

At the request of its client, Stopanska banka issues all types of guarantees home and abroad, such as: Performance guarantees (tender-bid bonds, guarantees for good performance, guarantees for good performance within the guarantee period, retention money, advance payment and others), Payment guarantees (under financial and commercial loans, for securing of debt in customs procedure and others), counter- guarantees, etc.

By issuing guarantees according to your needs, the bank becomes a guarantor for your success.

» Read more

· Letters of credit (L/Cs)

At the request of its clients, the Bank issues documentary credits for payment abroad, as one of the most secure and common used international payment instruments.

The Bank advises the received documentary credits to beneficiaries in the country and abroad and transfers the received documentary credits to the second beneficiary by order of the middleman.

With Stopanska banka, you are sure that you will pay for the ordered goods, you are sure that you will collect the value of exported goods...

» Read more

· Framework limit

Standard bank product upon certain amount, so-called limit, stated in domestic or foreign currency. It is valid for certain time period, when the client can use all types of bank products. The framework limit alleviates the approving process and use of funds. This type of financial support is the cheapest and fastest manner of using the necessary funds. It can be in MKD, EUR or another currency.

· Long-term or investment loan

The purchase of equipment, the construction of buildings or the financing of separate projects mostly requires funds with repayment period longer than one year. The long-term and investment loans are generally requested on the basis of planning of future costs for the prescribed project. The repayment period shall be determined depending on the prescribed future income as well as the time of completion of the project. It is a practice very often to determine certain grace period - period when the principal of the loan is not repaid but a certain interest.
The long-term and investment loans can be MKD, EUR or another currency.

· Required documents

1. APPLICATION FOR THE NECESSARY SUPPORT -In the application form is stated what kind of product is requested from the Bank, the purpose of Bank's financial support, the amount and time period. It is also stated a brief description of the company, description of the security, i.e. the offered mortgage. The name of the contact person and the telephone No. are stated, as well.

2. FINANCIAL STATEMENTS - Balance Sheet and Income Statement of the last three years.

3. BUSINESS PLAN OF THE FUTURE OPERATIONS - projections of the future results from the operations compared to the expected income and expenditures for the period for which the support is requested from Stopanska Banka. It is only prepared when the applications refer to long-tem investment loan.

4. CURRENT BALANCE FROM THE CENTRAL REGISTER.

5. CARD OF DEPOSITED SIGNATURES BY THE PARENT BANK.

MICRO CREDITING

There are many ideas for your business that you realize by your knowledge and skills everyday.

Here is the Micro business loan of Stopanska Banka for the ideas related to the development of your business

Apply now in the branches and sub-branches of Stopanska Banka

» Application (PDF)

Information on the telephone number (02) 3295-555

YOU ARE WELCOME AT THE PREMISES OF STOPANSKA BANKA FOR DETAILED INFORMATION

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