Get in touch - Bank of Valletta - BOV Group
Customer Service Centre - Bank of Valletta - BOV Group
  • ... >
  • ... >
  • ... >
  • ... >
  • ... >
Maximise Banner
Minimise Banner
next Previous
next Previous
BOV SME Invest

At Bank of Valletta we firmly believe in support to  local SMEs as they are the heart of our economy and  a major source of entrapreneurial skills, innovation and employment.  We also understand that SMEs need finance to grow and reach their full potential.



Terms & Conditions
Apply Now

The BOV SME Invest could be the financial solution to your investment  requirements.  Designed in collaboration with the Malta Development Bank, this product facilitates access to finance for SMEs carrying out capital investment through reduced collateral requirements and finance costs. 

With BOV SME Invest you will pay an interest rate that is 2% lower than normal benchmark, and you do not need to provide full collateral cover for the loan amount

BOV SME Invest is ideal for Start Ups, SMEs venturing into new business sectors or traditional SMEs wanting to invest in, revamp or strengthen their current business model. 

BOV SME Invest Features and Benefits

  • Loan amount between €200,001 to €750,000
  • Repayment between 1 year and 10 years inclusive of any moratorium period. The term will depend on the lifespan of the asset
  • Facility may be used to end finance capital investment costs and investment related working capital
  • Upfront and minimum contribution of 10% of the investment cost
  • Interest rate at 1.35% over Bank Base Rate
  • Highly reduced collateral, with an average reduction of 80% in extendible security through the Malta Development Bank (MDB) guarantee.  The extendible security requested by the Bank on the loan may increase or decrease according to the risk profile of the proposal




Because we understand that managing costs is as important as increasing revenue, we kept our charges to a minimum to ensure that finance costs are affordable for our SMEs: 
  • Processing Fee of 0.30%
  • Annual Renewal Fee of 0.10% on outstanding balance
  • Commitment Fee of 0.5 %
SME Invest portfolio valued at €55 million will be available until the end of September 2022 or until the available fund is fully committed.  Certain sectors may not be eligible for this scheme.  All loans are subject to credit approval by the Bank. 
Other terms and conditions apply.
Product average rating:
0 / 5
Share this product:
Sort reviews by:
This item has no reviews yet.

Applying for BOV SME Invest

For more information about the BOV JAIME Financing Package, please contact SME Finance  on 2275 7607 or send us an email at [email protected] 

All loans are subject to normal bank lending criteria, credit approval by the Bank and a credit agreement. Further terms and conditions are available from



Print page
My Guide has identified the following related material
next Previous
BOV Pjazza
next Previous
Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).