Bridging the Investment Gap

01

Small and Medium-Sized Enterprises

The Malta Development Bank supports SMEs that struggle to access market financing, especially projects with social or environmental value. Working through commercial banks, the MDB helps viable businesses obtain funding without competing with lenders.
Available facilities include portfolio guarantees, co-financing, and tailored financing.

MDB schemes focus on:

• Innovation, digitalisation, and competitiveness
• Social initiatives in education, health, and inclusion
• Environmental investments such as water efficiency, waste treatment, and recycling
• Sustainability projects that promote the circular economy

02

Private and Public Sector Projects

The Malta Development Bank (MDB) supports larger projects through direct lending, co-financing, or by acting as a guarantor for commercial banks and other intermediaries. These operations are usually directed at:

• Physical infrastructure projects led by private companies, public entities, or public-private partnerships.
• Social infrastructure projects, such as those in healthcare, long-term care, education, and affordable housing. In many cases, these projects create important benefits for society, but the financial returns for private investors are limited, which makes them less willing to finance them.
• Syndicated lending, where the MDB brings together a group of banks and funding sources to support large-scale investment projects.