The financial product “FACEM Impact” provides for investment loans from 200 thousand lei to 5 million lei at a fixed interest rate of 5.5% or 6% per annum. The loan repayment term is up to ten years. The new mechanism provides for the possibility to reduce the interest rate depending on the number of jobs created as a result of the investments made.
Financing can be obtained from several Moldovan commercial banks. This became possible after the ODA signed cooperation agreements with them within the framework of the project “SME Development Mechanism in the Republic of Moldova”, financed by the German Government through the German Development Bank KfW.
In the first phase of the project, at least 100 Moldovan SMEs will receive financing for business modernization and expansion, which will create more than 200 new jobs. At least 20 percent of the loans will go to SMEs led by women.
For the implementation of the product, the Entrepreneurship Development Organization received the first tranche of funding in the amount of EUR 2 million in October 2025, based on the Grant and Project Agreement for the implementation of the program “SME Development Mechanism in the Republic of Moldova”.
