The loans are intended for Moldovan entrepreneurs, both legal entities and individual companies, for the development and expansion of businesses. Entrepreneurs have the opportunity to get loans for up to 60 months. Entrepreneurs can choose the product that is best suited for their own business.
New loans for physical entities:
Starting with November 1, 2010, the company “MoldCredit” offers new loans for individuals. The loans are offered under favorable conditions for the beneficiaries, with optimum interest rates. The destination of the loan may be different depending on the requirements of the applicants.
Economic news
Investments of 1.75 billion lei in the first quarter of the current year
The first quarter of this year brought to the Republic of Moldova investments in amount of 1748.3 million lei, which is 32% more than in the same period last year.
Loans with an interest rate of 7,5% annually
OCN “MoldCredit” SRL offers loans in extremely advantageous conditions. This is due to the signing of the Subsidiary Loan Agreements
with the Ministry of Finance and the Directorate of the Credit Line next to the Ministry of Finance of the Republic of Moldova. The
agreement refers to the financial intermediation of the re-lending operations of the resources of the investment projects financed
from the external loans of the World Bank and other international financial organizations granted for the support of private enterprises
(physical entities) and legal with any organizational-legal form), directed to the development of the agricultural sector and rural affairs.
Available projects are: FIDA I - FIDA VII; RISP I; RISP II; KfW; for supporting young entrepreneurs - for planting vineyards /
orchards; processing of agricultural raw material; the production of dairy products and agricultural products; seed production,
seedlings and growing vegetables in greenhouses; collecting agricultural products; fruit storage and maintenance services; maintenance
and repair of agricultural technique; maintenance and storage of products (cold rooms); resources within the national projects of economic
empowerment of young entrepreneurs (PNAET) and other types of activities in all administrative-territorial sectors of the country,
in all areas of the national economy, including exports.
These non-bank loans are granted by OCN “MoldCredit” SRL in very advantageous conditions both as the interest rate
(currently - starting at 7% annualy in lei) and as a term (from 5 to 15 years depending on of the character of the investment) and a
grace period of up to 3 years, and the resources within PNAET are with a 40% grant portion.
OCN “MoldCredit” SRL started its activity in August of 2010 and is currently firmly positioned in the first 15 major Non-bank Loan Organizations in the Republic of Moldova.
The executive management of MoldCredit (03.05.2019)
Congratulations on the occasion of the anniversary of the first year of activity
Dear visitors and customers!
The year of 2010 was noted by the establishment of the OCN “MoldCredit” SRL. On 23.08.2010, through the common effort of its associates,
which operate in various fields such as: financial-banking, education, medicine, business in commerce and consultations in the financial
field, MoldCredit was established with a Moldovan-Swiss capital.
Although the echo of the financial and economic crisis was resounding, and the first expectations of a revival of the world economy and in
particular in the Republic of Moldova appeared on the horizon, the Founders after a thorough analysis and leading the charge“The crisis represents not only a decline, but also opportunities"
the decision was made to create a Microfinance Company with a mixed capital with the mission of granting credits and other financial services oriented to the needs of micro, small and medium-sized entrepreneurs, thereby facilitating access to finance, improving living conditions, creating new jobs and thus the disruption of the vicious circle of poverty.
The open character of the Company, loyalty to the client, flexibility, operability, transparency in business, responsibility and optimal
financing conditions of MoldCredit, help clients overcome the deficiencies they face, with the aim of increasing access to financing for
wider categories of clients - including those with semi-formal business.
On the occasion of the first anniversary, I would like to thank our Customers for choosing us as their financial partner, and this further
encourages us in the financing and development efforts of the SME sector of vital importance for a healthy and sustainable economy.
Also, I bring sincere congratulations with wishes of health and prosperity to the Founders of the Company, the Managing Body,
the Collaborators and of course to our Partners, wishing them much success.
With profound respect,
Gheorghe URSU – President of O.C.N. “MOLDCREDIT” SRL
Internal reglementations
In pursuing the interests of its customers, in 2012 MoldCredit adopted the Instruction on the Principles of Customer Protection and the Corporate Governance Code of "MoldCredit" SRL.
Both documents adopt the best international practices in the field of microcredit and are prepared in accordance with the recommendations of the National Commission of the Financial Market of the Republic of Moldova.
In this way, MoldCredit implements common rules of conduct regarding the treatment and protection of its clients in the framework of lending operations.
The Instruction on the Principles of Customer Protection and the Corporate Governance Code of the O.C.N. "MOLDCREDIT" SRL can be consulted here.
MoldCredit signed the Recreditation Contract with FIDA5
On June 17th, 2013, MoldCredit signed the trilateral contract for the accreditation of the circulating means of the Rural Financial
Services and Agricultural Business Development Project PSFRBA (or FIDA 5) with the Ministry of Finance of the Republic of Moldova and
the Directorate of the Credit Line which aims Priority financing of activities as follows:
Production, harvesting, storage: fruits, berries, vegetables, aromatic and medicinal plants, table grapes, field crops and tech (with the exception of technical varieties of grapes, tobacco, forest crops and plants for spatial planning);
Production, harvesting and storage of seeds and planting material;
Production of animal products, including procurement of livestock, equipment and machinery;
Equipment for sorting, processing and packaging of agricultural products;
Irrigation systems and greenhouses;
Construction, repair of storage rooms and cold storage of agricultural products;
Rural agro-tourism (cleaning and landscaping, purchase of animals, equipment and equipment necessary for the development of farms within the tourist complex);
Agro-technical services;
Working capital related to the investment, up to 30% of the sub-credit amount;
Other purposes related to the development of the value chain activities in agriculture.
Thus, MoldCredit with the support of the development partners will contribute to reducing the poverty in the rural area of Moldova
by achieving the strategic objectives of improving the efficiency of agricultural value chains, increasing the access of the population
from the rural area to the financial resources, by offering the appropriate and accessible financial products and reducing / elimination
of infrastructure obstacles to increase the assets and incomes of the poor rural population.
MoldCredit at the International Symposium "Economic Growth and Financial Stability"
The international economic symposium with the subject "Economic growth and financial stability", organized by Bankers League of Moldova, which took place on June 27, 2013 and in which MoldCredit was the general and sole sponsor.
