FINANCIAL SUPPORT FROM IRF
Credit lines offered Investment and Development Fund :
1.Credit lines to encourage entrepreneurship:
- start-up
| Invest rate | Maximum loan amount | Minimum loan amount | Grace period – years | Maximum term (including grace period) |
| 3,50% | 50.000,00€ (for entrepreneurs 30.000,00€) | €10.000,00 | 4 years | 12 years |
- entrepreneurship,
- women in business.
| Invest rate | Maximum loan amount | Minimum loan amount | Grace period – years | Maximum term (including grace period) |
| 3,50% | 200.000,00€ (for entrepreneurs 30.000,00€) | €10.000,00 | 4 years | 12 years |
- women in business UNDP
| Invest rate | Maximum loan amount | Minimum loan amount | Grace period – years | Maximum term (including grace period) |
| 2,50% | 10.000,00€ | 1 years | 6 years |
- young in entrepreneurship,
| Invest rate | Maximum loan amount | Minimum loan amount | Grace period – years | Maximum term (including grace period) |
| 2,50% | 50.000,00€ (for entrepreneurs 30.000,00€) | €10.000,00 | 4 years | 12 years |
- university graduates,
| Invest rate | Maximum loan amount | Minimum loan amount | Grace period – years | Maximum term (including grace period) |
| 0% | 50.000,00€ (for entrepreneurs 30.000,00€) | €10.000,00 | 4 years | 12 years |
2. Credit line for support to existing companies with activity:
– Agriculture,
– Production,
– Services,
– Wood processing,
– Cluster.
3. Credit lines to support infrastructure:
– Water supply,
– Enviornmental protection,
– Energy efficiency and
– Renewable energy sources.
4. Credit lins to improve liquidity:
– Factoring,
– Permanent working capital,
– Refinancing of current credit commitments,
– Preparation of tourist and agricultural season (short-term).
5. The credit line to support investment in ICT sector
In addition to the Investment and Development Fund , financial assistance are available from 14 commercial banks operating in the territory of Podgorica. Central bank of Montenegro
FINANCIAL SUPPORT BY IRF
Support programs offered by the Investment and Development Fund:
1.Entrepreneurship
- CREDIT PROGRAM FOR TECHNOLOGICAL SURPLUS
- LOAN PROGRAM FOR HIGH SCHOOL STUDENTS
- SUPPORT PROGRAM FOR WOMEN IN BUSINESS UNDP
- SUPPORT PROGRAM FOR WOMEN IN BUSINESS – START UP
- SUPPORT PROGRAM FOR WOMEN IN BUSINESS
- ENTREPRENEURSHIP DEVELOPMENT SUPPORT PROGRAM
- LOAN PROGRAM FOR BEGINNERS IN BUSINESS – START UP
- CREDIT PROGRAM FOR YOUNG PEOPLE IN BUSINESS
2.Agriculture
- AGRICULTURE AND FOOD PRODUCTION SUPPORT PROGRAM
- AGRICULTURAL DEVELOPMENT SUPPORT PROGRAM – IPARD
- AGRICULTURAL DEVELOPMENT SUPPORT PROGRAM – IPARD LIKE
- AGRICULTURAL DEVELOPMENT SUPPORT PROGRAM – AGRO BUDGET
- AGRICULTURAL DEVELOPMENT SUPPORT PROGRAM – PURCHASE OF AGRICULTURAL PRODUCTS
3.Tourism
- SUPPORT PROGRAM FOR CONSTRUCTION OF NEW HOTEL CAPACITIES
- SUPPORT PROGRAM FOR THE IMPROVEMENT OF EXISTING APARTMENT AND HOTEL CAPACITIES
- SUPPORT PROGRAM FOR THE IMPROVEMENT OF TOURIST INFRASTRUCTURE AND OFFER OFFERS
- HOSPITALITY SUPPORT PROGRAM
- PROJECT “SVA ČUDA CRNE GORE”
4.Production
- PRODUCTION SUPPORT PROGRAM
- SUPPORT PROGRAM FOR WOODWORKING COMPANIES
- CLUSTER SUPPORT PROGRAM
- SUPPORT PROGRAM FOR MODERNIZATION OF INDUSTRY
5.Services
- PROGRAM OF SUPPORT TO ENTERPRISES OF SERVICE ACTIVITIES
- SUPPORT PROGRAM FOR INVESTMENTS IN THE ICT SECTOR
- ENTREPRENEURSHIP DEVELOPMENT PROGRAM IN CULTURE AND ARTS
6.Liquidity
- REFINANCING PROGRAM OF CURRENT LOANS
- PERMANENT WORKING ASSETS FINANCING PROGRAM
- SHORT-TERM LOAN PROGRAM
- RECEIVABLE BUYOUT PROGRAM – FACTORING 2017
7.Encourage competitiveness
8.Green field
9.Infrastructure projects
- CREDIT PROGRAM FOR INFRASTRUCTURE PROJECTS AND WATER SUPPLY PROJECTS
- CREDIT PROGRAM FOR INFRASTRUCTURE PROJECTS AND WATER SUPPLY PROJECTS CREDIT PROGRAM FOR ENVIRONMENTAL PROTECTION, ENERGY EFFICIENCY AND RENEWABLE ENERGY SOURCES PROJECTS
More information: IRFCG
In addition to the Investment and Development Fund, you can request financial assistance from 14 commercial banks operating in the territory of Podgorica. (Centralna banka Crne Gore)