The investment loan is designed for financing a company’s investment activities. The investment loan is granted for a maximum term of 15 years.

In justified cases, the loan term may be extended, depending on the applicant’s needs. The loan may be repaid in the form of instalments determined in the course of review of the application for financing and set forth under the loan agreement.

The investment loan is granted in various currencies:
EUR, GBP, USD, CHF, JPY.

The loan interest rate is based, depending on currency, on LIBOR/EURIBOR plus the margin of Meridian Capital Enterprises.

In order to obtain the loan, one needs to submit an application provided by Meridian Capital Enterprises Ltd., along with the required documents for the assessment of loan capacity and loan collateral valuation.

The list of documents needed to carry out the process of granting financing in the form of the investment loan:
1. documents confirming the legal status; authorizing business activities,
2. description of the business activities and the business prospects during the term of financing,
3. information concerning the applicant’s assets,
4. the financial statements for the last two full years and for the ended months of the current year,
5. the list of receivables and liabilities,
6. opinions from other banks and financial institutions relating to the balance and timeliness of repaying financial liabilities by the applicant,
7. the statement on the balance of tax liabilities towards the state treasury,
8. the title deeds and the signed lease or rent agreements covering the business locations,
9. the signed contracts for sales of commodities or services,
10. documents pertaining to the planned investment project:

• business plan,
• technical characteristic of the investment project,
• the investment project’s feasibility study,
• construction permits for the investment project,
• other permits and licences of the relevant authorities required for the investment project’s purposes,
• the study of the investment project’s environmental impact,
• other documents connected with the investment project, required for the realisation thereof,

11. the documents concerning the proposed loan`s legal collateral:

• copies of entries to the land and mortgage registers of properties owned by the applicant,
• the list of fixed assets that may represent collateral,
• the list of warehouse stock that may represent collateral,
• the list of contracts that may represent the subject-matter of assignment for collateral purposes,
• the list of insurance agreements that may represent the subject-matter of assignment for collateral purposes.

12. Other documents determined in the course of the review by Meridian Capital Enterprises, required for the appropriate assessment of the credit capacity to repay the loan applied for by the applicant.

The loan is disbursed in installments solely after having established the legal collaterals securing the loan. The amount of loan disbursement will be diminished by the commission owing to Meridian Capital Enterprises for the granted loan, in the amount set forth in the loan agreement.

At Meridian Capital Enterprises Ltd., the enterprises may combine various forms of financing by: