BUSINESS
Elevate your Goals with the MDB SGS Business Loan
The MDB SME Guarantee Scheme (SGS) Business Loan helps businesses, including startups, get financing to grow.
This loan is being offered in collaboration with the Malta Development Bank (MDB).
MDB provides an 80% portfolio guarantee on the loan amount. This means, you can benefit from lower interest rates, lower upfront contributions, and reduced collateral requirements.
This loan supports your business by helping you reach your goals with more favourable financial terms.
Features & benefits
- 3.00% p.a. variable interest rate for secured loans (this rate is inclusive of the MDB Guarantee fee of 0.80%)
- 3.50% p.a. variable interest rate for unsecured loans (this rate is inclusive of the MDB Guarantee fee of 0.80%)
- Loan amount between €10,000 and €1,000,000
- Maximum term of 10 years
- Reduced processing fees at 0.25% of the loan amount
- Minimum of 10% contribution of total project costs to be covered by the business
What can the MDB SGS Business Loan cover?
- Capital expansions
- Investment-related working capital
- Realisation of new projects, penetration into new markets or new developments
- New investments, especially supporting greener and more digitally oriented economy
This offer is available until 31 December 2027. Click the button below for more info.
Culture and Creative Guarantee (SGS-CC)
Beyond SMEs and self-employed individuals, the scheme is also open to small mid cap entities and small public enterprises operating within the culture and creative ecosystem. It can include the following activities, together with any related support initiatives:
- Heritage bodies
- Museums
- Publishers
- Journalists
- Architects
- Performers
- Filmmakers
- Musicians
- Broadcasters
- Game developers
- Art galleries
- Specialist printers
- Book retailers
- Costume and scenery rental operators
- Musical instrument repairers
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 SGS, as outlined above. Such loans are approved under the Malta Development Bank (MDB) SME Guarantee Scheme – Creative and Cultural (SGS-CC) and 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.
Book an appointment
Approved and issued by APS Bank plc, APS Centre, Tower Street, B’Kara BKR 4012. APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994. Applications are subject to the Bank’s lending criteria. Terms and conditions apply and are available on request.
