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    AI Search on Ask BT answers all your banking questions.

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    We know that in business, opportunities and challenges arise unexpectedly. Whether you need cash for urgent payments or always want to have a financial cushion on hand for any situation, you've come to the right place.

    fast loans for your business

    HOW MANY IDEAS, so many solutions

    We know that in business, opportunities and challenges arise unexpectedly. Whether you need cash for urgent payments or always want to have a financial cushion on hand for any situation, you've come to the right place.

    FUNDING FLEXIBILITY

    We have a solution for every opportunity to help you grow.  

    WITH OR WITHOUT GUARANTEES

    You can take the fast credit line and the fast credit with or without collateral.

    GROW AT YOUR OWN PACE

    You can choose from fast credit solutions with terms between 2 and 10 years.

    DO WHAT YOU WANT WITH THE MONEY

    How you use your money is up to you.

    Fast credit in Bt go

    BANKING ON THE GO

    From BT Go you have quick access to essential information, can track repayments and even initiate an early repayment - all digitally, whenever you need it. 

    • Keep track of payments

      See how much you have paid on your loan, see your installments, interest rate and the date of the next installment.

    • Repayment schedule

      See it in real time and download it when you need it.

    • Transaction history

      You have access to all the information about your credit: how much you have paid, the date you took it out, the amount, the amount outstanding, the date your credit ends.

    • 2,400

      Early repayment

      If you have administrator rights, you can initiate the early full refund process directly from the app.  

    AWARD CONDITIONS

    • Not being banned from writing bank checks
    • Don't be overdue in the Credit Register
    • Having no active entries in the Insolvency Bulletin
    AWARD CONDITIONS
    up to 4.000.000 lei

    up to 4.000.000 lei

    You with ideas,
    us with support. 

    SEE WHAT CREDIT SUITS YOU

    Fast credit is ideal for entrepreneurs who need immediate funds for working capital or small investments, while the fast line of credit provides continuous access to a financial reserve for urgent payments such as salaries or suppliers. No justification and no red tape. You decide, we support you.

    RAPID HELP

    Both types of credit make the necessary funds available:

    ⠀current expenses;  

    ⠀ refinancing other loans;

    ⠀ Pay your debts to the budget and suppliers;

    ⠀or financing stocks of goods and raw materials.


    The difference is how it works:

    line of credit is linked to current accountand repayment is made from cash receipts on the current account. 

    The credit limit is a revolving credit limit: i.e. any amount used can be repaid and then used again, and can be extended at maturity. 

    ⠀an other advantage of the credit line is that the interest is calculated daily only on the amount used.

    credit for working capital is (usually) granted for one-off needs, covering an expense greater than the company's current receipts. 

    From the outset, a repayment schedule will be set for the amount borrowed, either in equal or mutually agreed monthly installments. 📉

    Line of credit is the direct link between you, the bank and your partners. 🙂

    Basically, the bank gives you a loan with a term of up to 24 months and thus helps you overcome temporary shortfalls in your working capital. 

    That is, when you're strapped for cash and under pressure to pay your suppliers, employees, and/or taxes to the state budget, the line of credit solves your cash-flow problems, allowing you to make your payments on time. 😇

    The major advantage of using a line of credit is that you only pay for the money you use at the end of each day and not for the full amount of the credit line.  

    This results in a monthly interest rate that depends on the amounts used, which is less expensive than with a traditional loan (where you use the full amount approved and repay it on the terms agreed with the bank) 📉 📉

    Fast Credit is a financing product for any of your business needs. 😊

    Whether you need money for working capital or even for small investments, BT offers you the financial resources you need in the form of a loan for which you don't need to provide collateral 👍

    It depends on the amount requested, but in minimum 3 working days you should be able to.

    WHY PUT OFF WHAT YOU WANT?

    With fast loans from BT, you get the money exactly when your business needs it, hassle-free. For big plans or unexpected expenses, it's simple, fast and flexible.

    BT AI Chat
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    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
    Search suggestions
    Powered by Azure OpenAI GPT-5
    AI Search provides automatically generated responses using GPT-5 technology and an advanced agent orchestration mechanism. Responses may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for the use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project—currently in beta—that uses GPT-5 technology to simplify the process of searching for and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.