SME Invest PLUS
Access financing guaranteed by the state, for carrying out the current activity or for investments
Fast credit line
Solves cash flow problems with the credit line for companies.
You have quick access to the resources needed for small investments or working capital.
For the purchase of buildings, equipment, machinery or even for the purchase of means of transport.
When you have invoices to collect, but you need quick cash for various urgent payments of your company.
When you want more than just financing, Factoring from BT gives you the added bonus of insurance and a specialised partner for the security and efficiency of your business.
Credit for start-ups or small businesses
If you are at the beginning of the road, you can rely on BT Mic for a loan of up to 200,000 lei.
If you need cars, machinery or equipment, but you don't have money to lock in a purchase.
Letters of guarantee
When your business requires it, you can opt for one of the right letters of guarantee.
We support businesses that want to grow sustainably, producing green energy from renewable resources.
APIA credit, 100% online
It helps you when you need money and are under pressure to make payments that can't wait for APIA subsidies to be collected.
You have access to all the necessary tools for the implementation of the project.
Credit for education
The Skills & Education program is the only program with external guarantee for businesses in the field of education.
In partnership with the European Investment Fund, your business benefits from loans in better conditions, so that your company's objectives are easier to achieve.
Start-Up Nation 2022
Starting July 19, 2022, you can enroll in the Start-Up Nation 2022 program. You can apply for a financing from non-reimbursable funds of up to 200,000 lei