SME Guarantee Scheme https://mdb.org.mt/sme-guarantee-scheme-2/
The SME Guarantee Scheme (SGS) helps businesses, including startups, get financing to grow.
MDB provides an 80% guarantee on the loan amount to commercial banks. This means SMEs can benefit from lower interest rates, lower upfront contributions, and reduced collateral requirements.
Loan amount between €10,000 and €1,000,000.
Maximum term of 10 years.
What can the MDB SGS Business Loan cover?
- New investments
- Realisation of new projects, penetration into new markets or new developments
- Capital expansions
- Investment-related working capital
Applications are to be made with the accredited banks: APS, BOV and HSBC.
Guaranteed Co-lending Scheme https://mdb.org.mt/guaranteed-co-lending-scheme-2/
The Guaranteed Co-lending Scheme (GCLS) offers larger financing solutions for businesses to support their growth aspirations.
This business loan involves co-lending between the MDB and commercial banks, splitting the lending equally. MDB provides a 60% guarantee on the commercial bank’s 50% share of each lending proposal.
Businesses will benefit from lower interest rates, reduced collateral requirements, and longer loan terms.
Loan amount between €1,000,001 and €10,000,000.
Maximum term of 15 years.
Minimum of 20% contribution of cash contribution to be covered by the business.
What can the MDB Co-lending Business Loan cover?
- New investments
- Realisation of new projects, penetration into new markets or new developments
- Capital expansions
- Support and improvement to the overall operations of the business
Applications are to be made either directly with the MDB or through the accredited banks: APS, BOV and HSBC.
MDB Sustainability sub-schemes under SGS and GCLS
The Sustainability themed products seek to increase MDB’s positive environmental impact in Malta.
What can the MDB Sustainability themed products cover?
Investment in measures directed towards:
- Green investment (climate change mitigation, climate change adaptation, transition to a circular economy, investments related to environmental impact and sustainable management of natural resources, protection and restoration of biodiversity and ecosystems).
- Social Accessibility Investment
- Any investment by SMEs classified as green based on an Eco-label, Sustainable/Green Business model or an environmentally certified enterprise.
For more information: https://mdb.org.mt/mdb-sustainability-sgs-s-and-gcls-s/