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BOV SME Invest

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


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

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. 
SME Invest portfolio will be available until the end of December 2024 or until the available fund is fully committed.  All loans are subject to credit approval by the Bank.

Other terms and conditions apply.

BOV SME Invest Features and Benefits

  • Loan amount between €10,000 to €750,000
  • Repayment between 2 years 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 3% variable rate (0.85% over Bank Base Rate, which currently stands at 2.15%)
  • 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
  • Processing Fee starting from 0.30% (minimum €50) 
  • Annual Renewal Fee of 0.15% (minimum €40) on outstanding balance
  • Commitment Fee of 0.5 %
  • MDB Guarantee Fee of 0.8% on the facility amount will be charged quarterly 
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Applying for BOV SME Invest

For more information about the BOV SME Invest, please contact our Business Development on 2275 1122 or send us an email.

All loans are subject to normal bank lending criteria, credit approval by the Bank and a credit agreement.


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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).