Press releases

April 1, 2026, Chișinău – The Organization for Entrepreneurship Development (ODA), with the support of the Ministry of Economic Development and Digitalization and Partner Financial Institutions, is making available to micro, small and medium-sized enterprises in the Republic of Moldova the IMM GARANT guarantee product, through the individual guarantee mechanism managed by the Credit Guarantee Fund.

IMM GARANT brings together, within a unified and flexible framework, the standard guarantee mechanisms previously administered by ODA. The product is designed to support SMEs’ access to financing, both for investments and development, as well as for sustaining current activities. Through this instrument, ODA facilitates access to bank and non-bank loans by providing financial guarantees that complement available collateral and reduce financing barriers.

“Real economic development begins where entrepreneurs have access to financing. Through instruments such as IMM GARANT and our partnerships with the banking sector, we reduce structural lending barriers and direct resources where they generate value – in investments, jobs, and sustainable growth,” said Vadim Codreanu, Director of ODA.

Through IMM GARANT, entrepreneurs can access financial guarantees ranging from 100,000 to 20,000,000 lei, depending on the type of loan and business specifics. In cases where SMEs do not have sufficient own collateral, ODA can additionally cover the required guarantee, thus facilitating access to financing. Guarantee rates are flexible and can reach up to 80%, depending on the sector of activity and the purpose of the loan, and guarantees are accompanied by an affordable annual fee of 1%, applied to the outstanding guarantee balance.

Additionally, through IMM GARANT, investments can be supported in the acquisition of modern equipment and technologies, development of enterprise infrastructure, process digitalization, expansion of production for export, and implementation of energy efficiency projects.

At the same time, financing of current activities is allowed, including the purchase of raw materials, coverage of operational expenses, promotion and internationalization of businesses, as well as ensuring production and delivery processes.

A special focus is placed on supporting investments with high economic impact, such as those oriented toward export, use of renewable energy sources, energy efficiency, digitalization, modernization of industrial and agri-food processes, rural development, circular economy, innovation, and sustainable tourism.

In general, IMM GARANT is available to all micro, small and medium-sized enterprises in the Republic of Moldova, except those included in the exclusion list, while companies in priority sectors may benefit from more advantageous guarantee rates.

Eligible enterprises can access IMM GARANT directly through ODA partner banks when applying for a loan, without the need to submit a separate request to ODA, as the process is managed by the bank and carried out online.

In 2025, the activity of the Credit Guarantee Fund managed by ODA generated a real economic impact: 537 financial guarantees were issued, totaling 572.5 million lei, facilitating loans worth 1.57 billion lei and generating an economic impact of 1.98 billion lei.

The average value of a guarantee was 1.1 million lei, while the average value of a guaranteed loan reached 2.94 million lei.

For more information about entrepreneurial support programs, visit the official website www.oda.md or contact the ODA Consultation Center at: 022 22 57 99.