Legal entities > Loans > Guarantees > Guarantees
Guarantees

The Bank issues all types of guarantees: |
bid guarantees |
The guarantees may be in MKD, EUR or other currencies.
MORE INFORMATION ON 02 3251 900
Required documents
REQUIRED DOCUMENTATION FOR LEGAL ENTITY LOANS
- Court registration documents
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Decision from the Bureau of statistics of the RM
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Balance sheet and Income statement
- Gross balance (Closing sheet)
- Gross balance (Closing sheet), the latest statement
- List of greatest debtors and greatest creditors (specification on account 12 and 22) and list of guarantors and guarantee types - previous and current year
- Statement for capital and management connection (supplement)
- Greatest shareholders/partners
- Members of management bodies and their representatives
- Size of legal entity (small, mid-sized and large), number of employees, domestic or foreign parts of the legal entity (supplement)
- Statement for total debt in banks on the day of submitting the application
- A business plan, which will provide an image of the history of the business and its owners.
The business plan should encompass:
1. The business' history (origin and description of the products and market segment);
2. Ownership and management (ownership structure, work experience in the field);
3. Sale and delivery (sales in the last 12 months, main buyers, distribution channels, competition and their advantages);
4. Manufacturing methods (whether the principal components and raw materials are domestic or imported, principal suppliers, machines and manufacturing methods, work-force);
5. Financial reports (sales and profit, capital state, debtors, creditors and liquidity);
- Overview of obligations towards banks and other financial institutions, credit structure, approved amount, current state, repayment term, interest rate. Other obligations in the form of borrowings to be stated
- Information regarding the turnover on the foreign currency accounts in the banks in RM
- Age structure of obligations and requests up to 60 days, 60-180 days, over 180 days
- Stockpile list of reserves
6. Future projections and plans (future realization based on Contracts, actual expected monetary inflows, market condition, plan for capital increase, strategy for plan implementation).