FINANCIAL SUPPORT FROM RBCG
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 FROM RBCG
Support programs offered by the Investment and Development Fund:
1. Entrepreneurship
- Development loans for micro, small, and medium-sized businesses
- Investment loans for young entrepreneurs
- Investment loans to promote women’s entrepreneurship
- Investment loans for entrepreneurship development
- Investment loans for business beginners
2. Agriculture
- Investment loans to support the development of agricultural production and food production
- Investment loans for investing in fishing vessels, fishing equipment, and electronic devices – MIDAS
- Investment loans for agricultural development – IPARD
- Loans for the purchase of agricultural products
3. Tourism
4. Production
6. Liquidity
- Micro-loans for liquidity and working capital
- Loans for financing permanent working capital for micro, small, and medium-sized businesses
- Loans for refinancing current credit obligations
- Receivables purchase program – factoring
7. Guarantee Schemes
8. Infrastructure Projects, Environment, and Energy Efficiency Projects
More information: RBCG
In addition to the Investment and Development Fund, you can request financial assistance from 14 commercial banks operating in the territory of Podgorica. (Central Bank of Montenegro)