Features & benefits

• 3.25% p.a. variable interest rate for secured loans (this rate is inclusive of the MDB Guarantee fee, ranging from 0.89% to 0.91%)
• 3.75% p.a. variable interest rate for unsecured loans (this rate is inclusive of the MDB Guarantee fee, ranging from 0.89% to 0.91%)
• Loan amount between €1,000,001 and €10,000,000
• Maximum term of 15 years
• Minimum of 20% contribution of total project costs to be covered by the business

What can the MDB Co-lending Business Loan cover?

• Capital expansions
• Support and improvement to the overall operations of the business
• Realisation of new projects, penetration into new markets or new developments
• New investments, especially supporting greener and more digitally oriented economy

This product is available until 31 December 2027.

Sustainability Guarantee (SGS-S)

This scheme also applies to small mid cap entities. It can be used to finance the following and more:

• Air conditioner replacement
• Building automation and control
• Circulation pump replacement
• Electric vehicle charging infrastructure
• External shading devices
• Green roofs and walls
• Insulation – all floor-wall-floor-window; basement and ground floor; roof; wall;
• Modernisation of lightning technology
• Ventilation system upgrade and replacement
• Electric energy storage
• Heavy-duty truck – zero emission
• Light commercial vehicles – low emission
• Passenger cars – zero emission
• PV systems on-site
• Small-scale wind turbines
• Enhancements to accessibility of office buildings (e.g. wheelchair elevators, adapted cars, racks, ramps, sensors and lightning guidance, tactile devices, sound, signing, etc.)

The overall structure and remaining features continue to align with those applicable to the GCLS, as outlined above. Such loans are approved under the Malta Development Bank (MDB) Guaranteed Co-Lending Scheme – Sustainability (GCLS-S), and benefit from support by the European Union and the EIF under the InvestEU Fund. Applications under the Sustainability Guarantee may be included until 19 April 2027.