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A Step-by-Step Guide

  1. Review our profile for potential loan clients and ensure that you fit into our required criteria. Are you a small-scale entrepreneur wishing to expand your small business, or hoping to start one? Are you self-motivated and responsible? Can you provide two guarantors for collateral?

  2. Contact our office to set up a meeting with one of our loan officers. Our loan officers are knowledgeable and helpful in providing you with complete information and answering any questions you may have. Please do not hesitate to call!

  3. At your first meeting with Invest-Credit, you will meet with a loan officer to share information about your business and determine the appropriate loan product to meet your needs. The meeting may be held at the Invest-Credit office or at your place of residence or business. You should be prepared to share general information about your business and provide the necessary documents for the loan application. Together with the loan officer, you will fill out the loan application and determine the time for your next meeting.

  4. The second meeting with Invest-Credit will be held at your place of business. The loan officer will visit the business to verify the information provided in the loan application and ask any more questions he or she may have about the business. Then, you and the loan officer will compose a "cash-flow projection" or business plan, which will outline the goals for growing your business and repaying the loan.

  5. The loan officer will compile your loan application, documents, and cash-flow document into your "client file" and submit it to the Credit Committee for review.

  6. Once your loan has been approved, you will meet with the loan officer once more to sign the loan contract, co-signer contracts, and register the collateral (if applicable). Then, your loan will be disbursed by our cashier at the Chisinau office or through any Victoria Bank or Banca de Economii branch location.

  7. You can begin growing your business with your new loan!
OMF INVEST-CREDIT SRL © 2009 Chisinau, Moldova
tel. +373 22 92-77-72, 92-90-33; fax 57-34-67; e-mail