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Financing
Find out which credit is right for your business
Loans
SME Invest PLUS
Access financing guaranteed by the state, for carrying out the current activity or for investments
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Fast credit line
Solves cash flow problems with the credit line for companies.
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Fast credit
You have quick access to the resources needed for small investments or working capital.
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Investment loan
For the purchase of buildings, equipment, machinery or even for the purchase of means of transport.
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Fast factoring
When you have invoices to collect, but you need quick cash for various urgent payments of your company.
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Factoring
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.
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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.
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Leasing
If you need cars, machinery or equipment, but you don't have money to lock in a purchase.
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Letters of guarantee
When your business requires it, you can opt for one of the right letters of guarantee.
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Green Loans
We support businesses that want to grow sustainably, producing green energy from renewable resources.
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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.
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Grants
Special Programs
European funding
You have access to all the necessary tools for the implementation of the project.
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Credit for education
The Skills & Education program is the only program with external guarantee for businesses in the field of education.
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Credit POIIMM
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.
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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
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