Marina Balan: How to quickly get a loan for your business?
We live in a time when time itself has become the most valuable resource. In business, every day matters — and when opportunity knocks, the answer should be “yes, come in,” not “please wait.”
That’s why maib has transformed the way entrepreneurs access financing. We’re no longer talking about stacks of paperwork, endless trips to the bank, and delayed responses. We’re talking about clear, digital, and fast processes — built for the pace of today’s business world.
From Idea to financing – an end-to-end process
It all starts with a simple signal of interest from the client – what we consider a lead. Within moments, it is automatically analyzed, moving through the Time-to-Yes stage, when the request is reviewed and an approval decision is given. The next and final step is Time-to-Cash, the stage in which the financing is actually provided – the funds are transferred to the client’s Business Banking account.
Each stage is logically connected, designed for efficiency, and monitored through specific SLA indicators, ensuring minimal waiting time and maximum client satisfaction.
Real speed, not just promises
At maib, “quick response” is not just a marketing phrase. Thanks to advanced digital tools, many loan applications receive approval on the same day — and in some cases, financing is granted instantly.
How is that possible? Through predefined limits, automatically calculated for each client based on their company’s history and profile. As a result, more than 20,000 Business Banking clients already have an available financing solution, and over 40% of microenterprise loans are granted without additional approval. The result: less bureaucracy, more time to grow your business.
What’s next? The future of smart financing
Maib looks ahead toward an ecosystem where the financial analysis of SME clients becomes much more automated, objective, and data-driven.
By connecting to official fiscal and statistical data sources, the lending process becomes even simpler:
- - companies will no longer need to manually submit financial documents
- - risk assessment will be more accurate and faster
- - every active company will be able to receive a pre-approved, personalized credit offer — with no bureaucracy
This transformation is made possible through the use of machine learning (ML) models and the intelligent integration of external and internal data, enabling more informed, predictive, and efficient credit decisions.
Why does this matter?
Because when your business needs resources, time doesn’t wait.
A fast loan means freedom of movement, continuity, and growth.
And at maib, speed doesn’t come at the expense of security — it comes from a system built intelligently, step by step, for performance.
Choose simplicity. Choose speed.
Choose the partner that helps you say “yes, come in” when opportunity knocks.
