Standard Credit Loans

Standard Credit Loans are designed for the expansion of existing businesses. This loan product gives the client flexible options (depending on the loan size and credit history) for obtaining the loan using only collateral or only co-signers. Restructuring options are also available for cyclical or seasonal businesses.

Intended for

Existing businesses.
May be individuals or legal entities.
This loan is intended for businesses operating successfully at least:
  • 3 months in the field of trade or service,
  • 6 months in the field of production, or
  • 12 months in agriculture.
This loan is granted to those who both have or do not have a credit history.
The borrower must have some experience in the industry of his/her business.

There are no restrictions on the scope of the business, providing that it is not involved in an industry that Invest-Credit deems detrimental to society (sales or production of alcohol, tobacco, gambling, or pornography).

Loan amount

Up to $5,000 with collateral ($2,500 without collateral, or $5,000 if there is a 50% security and the business has been successful at least 1 year). Repeat loans may be greater than 100% of the previous loan. If the client exceeds $5,000 for a one-year loan, the client may be moved up to the next loan category (Invest Credit loan).

Loan Term

36 months, preferably 24 months. The minimum loan term is 4 months.

Guaranties Requirements

Collateral is required for loans of more than $2,500.
Two co-signers are required. At least two (of the three signers-- the debtor and two co-signers) must have a permanent place of residence.

Loan application decision

The loan decision is made 1 to 3 days after the application is submitted.
OMF INVEST-CREDIT SRL © 2009 Chisinau, Moldova
tel. +373 22 92-77-72, 92-90-33; fax 57-34-67; e-mail office@investcredit.md