Discover 3 local producers who can make any holidays more beautiful

Even though the winter holidays are coming to the end, surprises and gifts for loved ones remain always relevant. If you’re looking for an unusual and impressive gift for any occasion, you’ve come to the right place. Microinvest offers some recommendations of local places and producers that can make any holidays even more beautiful.

A romantic dinner in a magical and festive atmosphere, a quality handbag, or perhaps a custom cake in your favorite flavor are just a few ideas to be inspired by. Discover the 3 businesses that have received support from the Microinvest and the services they offer.

Siesta restaurant – a perfect place for an atmospheric dinner

Entrepreneur Mihail Istrati, Microinvest client, has made his dream come true by opening his own restaurant in a picturesque place, in the center of the capital, with the most delicious pizza, good coffee and a wonderful atmosphere for a pleasant relaxation with close people. If you want to surprise your family or friends, a visit to the restaurant will definitely be the best idea. At Siesta Restaurant, celebrations can become special in a fabulous atmosphere and with the most delicious dishes.

“The idea of opening Siesta Restaurant in the center of the capital was born out of my love for putting my heart into everything I do. When I saw the space available, I didn’t want to miss the opportunity to do something beautiful, connected to nature and history. What makes Siesta special is its historic location, right in the center of Valea Morilor Park, next to the green theater. We have tried to preserve the atmosphere of the building, even the floor covering has remained unchanged, emphasizing its unique character.”

“With the help of Microinvest we were able to realize most of our development projects. Any problem was quickly solved with the support of Microinvest, I am very grateful for the services provided. I especially appreciate the speed and, most importantly, the advantage of getting the necessary funding at the right time. Microinvest team has always been by our side, which makes this partnership extremely valuable for the development of our business.” – Mihail Istrati, entrepreneur, Microinvest client.

Bags from Maalex brand – gifts that you won’t miss out on

A gift idea for a loved one can be a new bag! Maalex stores, another business supported by Microinvest, offers a wide range of models in different styles and colors for both women and men.

“My journey in the business world started with a small store selling bags imported from Turkey. Over time, I faced delays in deliveries and shortages of product, so I decided to launch something of my own at home. In 2014, I registered the Maalex brand. Thus began the story of our family business, which we have been running for almost a decade now. The main feature of Maalex is the use of high-quality materials that make our bags last for years. We pride ourselves on offering stylish and modern designs for all ages and lifestyles, including bags for men, women and children.”

“Working with Microinvest has played an important role in the development of our business. Together we have managed to achieve excellent results, constantly grow and develop. The friendly Microinvest team always responds to our requests, offers us credit terms and individual approach, which is important for entrepreneurship. I really appreciate Microinvest and our good cooperation. I can confidently say that for other financing purposes we will continue to turn to them.” – Elena Tesner, female entrepreneur, Microinvest client.

Sweet Velvet sweets are the perfect complement for a holiday table

What’s a holiday table without sweets? Sweet Velvet confectionery products will certainly decorate any festive table. Moreover, they can be a great gift for loved ones, impressing with their unique flavor.

“Our business started with a deep passion for specialty desserts, which flared up during my maternity vacation. It was then that I discovered the world of pastry art and decided to develop in this fascinating field. After taking various courses from experienced masters from several countries, I launched the Sweet Velvet brand in 2019. In our patisserie, customers will find a wide range of desserts, from the classic honey cake to more exotic cakes such as Pina Colada. Some of our most popular products include our Red Velvet cake and, of course, our delicious macarons. We pride ourselves on using only quality ingredients such as almond flour and Belgian chocolate in our production.”

“Without a doubt, the partnership with the Microinvest team has been vital to Sweet Velvet’s success. From the beginning, we saw Microinvest as an open and transparent partner that offered solutions that met our needs. We appreciate their responsiveness and flexibility – values we also share with our clients. In four years of work, we have created more than 1000 custom cakes, putting a lot of heart and soul into each of them with the support of Microinvest. We are very satisfied with the cooperation and are glad that we can develop and work here at home.” – Victoria Melnic, female entrepreneur, Microinvest client.

We support entrepreneurs from Moldova in developing their successful business at home and providing quality products and services to each client. Mihail Istrati, Elena Tesner and Victoria Melnic are just some of the entrepreneurs who achieved their business goals thanks to Microinvest support.

Apply for a Business Loan at Microinvest and develop your business.

*Microinvest is the only financial organization in Moldova that has the international GOLD certificate in the client protection category. It means a responsible and transparent lending process, fair financing and a constructive approach to any request.

By subscribing to the newsletter, you express your free and unconditional consent to receive news, messages, promotions and other informative messages from Microinvest at the indicated e-mail address. For more details, access the privacy policy.

Other news

Stay on top of all the action

responsAbility Investments AG and Microinvest announce a EUR 10 million loan transaction to expand access to finance 24 April 2024 To learn more

"Lending opens doors to new opportunities and business development" – Aliona Tiskovskii, founder of Azalia flower store in Balti, Microinvest client. 5 April 2024 To learn more

"If you have the desire, you will find the way to success" – Ina Rusu, founder of Vestiti brand, Microinvest client 28 March 2024 To learn more

"Entrepreneurs are increasingly informed and responsible about investing" – Daniela Crețu, Office Coordinator at Microinvest 22 March 2024 To learn more

Cauți un job ca să-ți începi cariera? Află istoriile de succes a 3 tineri care au făcut primii pași în carieră la Microinvest 19 March 2024 To learn more

Client's Name
Client's Surname
Personal Identity Number
Currency
Term
Rate
Amount
Monthly payment
Amount to receive
Purpose
Comments

1. Name and Contact Information of the Creditor
Creditor
Address
Phone number
Email Address
Web page

3. Costs of the credit
Rates related to the credit
Annual Percentage Rate of Charge (APR) This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers	%
In order to obtain the loan in accordance with the agreed terms and conditions, it is mandatory to conclude an insurance contract to guarantee the loan or a contract for another ancillary service.
Related costs
Any other costs deriving from the credit agreement	Fee for services rendered in relation to usage of credit, calculated and paid as follows: of the credit and paid by the Debtor on the date of granting the credit from own sources or is deducted by the Creditor from the amount of the credit The negotiation / prolongation of the credit can take place by mutual agreement of the parties, by signing an additional agreement, the Creditor being entitled to request an increase in the interest rate within the limits provided by the legislation in force. In case of negotiation / prolongation of the loan, the Borrower shall pay to the Creditor, at the date of the negotiation / prolongation a commission in the amount of 2% from the credit balance at the time of negotiation / prolongation.
Conditions under which the costs related to the credit agreement can be changed	The Sides can change the costs related to the credit by written agreement signed by both parties; For the non-constitution of the guarantees within the agreed term, the Creditor is entitled to calculate, and the Client will pay to the Creditor an Interest of delay in the amount of 5% annually, applied to of the daily balance for each day of delay, starting with the date following the term established for the constitution of the guarantee/ s and until the date of the proper execution of the respective obligation.
Obligation to pay for notarial fees / mortgage registration fees / fees for noting the prohibition of pledge in the Transport Register related to the pledge of means of transport (agricultural machinery)	Paid by the Client , except as otherwise provided in the pledge / mortgage agreement.
The cost for the valuation of real estate proposed in pledge	Paid by the Client directly to the Evaluator
Costs in the case of late payments Missing payments could have severe consequences for you (e.g. forced sale) and make obtaining credit more difficult
The repayment of the loan is free of charge in the secondary offices of the Creditor, as well as at the discretion of the Debtor through the representatives authorized to collect loan payments. The list of which and their fees are published on the website of the Creditor (www.microinvest.md/cum-achiti-creditul/). In case the Debtor use payment methods with fee, the Debtor cover all the costs of repayment of the loan and undertake to make the payments in such a way that the Creditor receives the agreed repayment amount and without any deductions by third parties processing the refund payment.
In accordance with and arising from the provisions of art. 15, para. 7), lit. a) from Law no. 202/2013, any payments related to the granted credit (commissions, taxes, penalties, late interest and any other type of payment), except interest, will be applied and collected within the limit of the ceiling of 0.04% of the total value of the credit per credit day multiplied by the number of days of actual use of the credit (hereinafter 'Ceiling'). Therefore, the Lender will be entitled to apply and collect the costs, excluding interest, exactly in the fixed or percentage amount established in the contract if the said ceiling allows, and if the ceiling is lower than the value of at least one cost, excluding interest, then the Lender will be entitled to reduce the fixed/percentage amount and apply and collect any of the applicable costs only within the limit of the ceiling value. When calculating the ceiling, the costs already applied and collected will be taken into account, with the exception of interest, which reduces its value. (Representative example: if the amount of the penalty is 20 MDL per day, and the ceiling value at that time is 16 MDL, then a maximum of 16 MDL will be collected).

4. Other important legal aspects
Right of withdrawal You have the right to withdraw from the credit agreement within a period of 14 calendar days	Yes
Early repayment You have the right to repay the credit early at any time in full or partially	Yes
The creditor is entitled to compensation in the case of early repayment The Debtor may repay the loan in full or in part in advance, notifying the Creditor in writing 3 days in advance, and paying an early repayment fee of:	% from early repaid amount, if the period of time between the date of early repayment and convened maturity exceeds one year; % from early repaid amount.The early repayment can be made only if the Debtor has no outstanding debts on interest or other amounts to be paid in accordance with the Contract. % from early repaid amount, if the period of time between the date of early repayment and convened maturity does not exceed one year.
Database usage The creditor must inform you immediately and without charge of the result of a consultation of a database, if a credit application is rejected on the basis of such a consultation. This does not apply if the provision of such information is prohibited by law or is contrary to objectives of public policy or public security The parties may agree on additional terms and conditions, which will be included in the credit agreement.	Yes
Right to a draft credit agreement You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor, at the time of the request, is unwilling to proceed to the conclusion of the credit agreement with you	Yes
The period of time during which the creditor is bound by the pre-contractual obligations	This offer is valid for 15 calendar days after it is issued.
In this regard, I subsequently declare that: I was provided with the necessary information, the essential characteristics of the above-mentioned credit product were explained (interest rate, number of commissions, credit costs, early repayment conditions, total amount to be paid), as well as the consequences of non-compliance with contractual clauses; the costs included in the total cost of the loan were explained to me, including the costs for ancillary services related to the credit agreement; I was offered the possibility to negotiate individually the contractual clauses in the credit agreement that I intend to sign, I negotiated individually the granting commission, the monthly commission, the amount of penalties and I mention that its clauses do not disadvantage me, being fair in the report mine with the creditor; I was asked by the creditor about the probable importance of the information provided and whether essential circumstances that I expected to be provided were not omitted in order to make an informed and rational decision about concluding the potential credit agreement. the information provided and the corresponding explanations allowed me to assess, including the personal analysis of other offers of third party creditors, whether the proposed credit agreement is tailored to my needs and financial situation; I know the content of the contract and all its conditions have been explained to me, I have understood and accepted them, and the documents and information underlying the conclusion of the contract are complete and accurate; I know the law, the normative acts that will govern the contract, as well as the lack of consumer quality; I have no ambiguities or misunderstandings regarding the terms of the contract; the credit product corresponds to the purpose described above and will be used according to the destination and the economic activity carried out. The assets procured/resulted/constructed/repaired from received loan sources will be registered/transmitted in the social capital of the company where my business activity is carried out and/or will be used jointly by the members or individually however strictly for running my business activity. (Signature)