16.53 million lei in guarantees have been mobilized in Moldova since spring 2025 through the ODA credit portfolio guarantee mechanism, which has made it possible to support loans totaling 23.3 million lei
As reported by the Entrepreneurship Development Agency, the credit portfolio guarantee mechanism managed by the ODA Credit Guarantee Fund facilitates entrepreneurs' access to financing from partner banks, especially in situations where the lack of collateral or insufficient credit history is a problem. Thanks to this mechanism, the relevant loans are directly included in the guaranteed portfolio without going through additional approval stages, which significantly reduces processing time and provides faster access to the financial resources necessary for business development. Now, loan applications are reviewed by the bank in accordance with internal procedures, and funds can be disbursed immediately if the criteria for eligibility under the mechanism are met. Thus, entrepreneurs can apply for guaranteed loans directly to the mechanism's partner banks - maib, OTP Bank, and Victoriabank. This instrument offers limited portfolio guarantees with a guarantee share of up to 80%, as well as unlimited portfolio guarantees with a guarantee share of up to 50%. The guarantees can cover both secured and unsecured loans, and the maximum amount of the guaranteed loan can reach 5 million lei, 250,000 euros, or $250,000. Since spring 2025, 16.53 million lei in guarantees have been mobilized through the credit portfolio guarantee mechanism, supporting loans of 23.3 million lei, which will attract investments of almost 23.3 million lei and facilitate the financing of 22 enterprises through a portfolio consisting of 20 working capital loans and two investment loans. In 2025, the activities of the ODA Credit Guarantee Fund had a real impact on the economy: the average guarantee amount was 1.07 million lei, and the average guaranteed loan amount reached 2.94 million lei. The credit portfolio guarantee mechanism is implemented by ODA in partnership with the World Bank Group as part of the SME Competitiveness Enhancement Project. // 15.01.2026 – InfoMarket.







