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    Financing for small business – BT Mic

    BT Small at a glance Benefits What you can do with the money Customized solutions How to get credit
    I want credit
    Open online account
    Find out which credit is right for your business

    BT Mic in brief

    We know, in business it's important to have money exactly when you need it. So, if you have a small business with at least 3 months of economic activity, you can rely on BT Mic for a loan of up to 300,000 lei...

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    Benefits

    • m You don't need an advance
    • m We ask you for few documents for analysis
    • m You can receive your money in 3-4 days
    • m You return the money even in 7 years

    What can you do with the money?

    • m You buy goods
    • m Buy new or used machinery, equipment, machinery
    • m You pay suppliers
    • m Paying off debts
    • m Investing in current outlets or opening new ones
    • m Something else that can help you through a difficult time

    Customised lending solutions

    A great help for your small business. You can benefit if you fall into one of the categories below.

    For small businesses in the Agri sector

    If you have an agricultural activity, you can access a maximum of 300,000 lei without material guarantees and up to 400,000 lei with real estate guarantees.

    f

    For small businesses in Education

    Run a private nursery or school? You can borrow up to 300,000 lei in 3-4 working days. What's more, you benefit from the European guarantee, so you don't need to provide material collateral.

    f

    With the European guarantee

    You can get a loan of up to 300,000 lei with no collateral, in 3-4 working days, with a European guarantee for 70% of the loan amount.

    f

    How do you apply?

    You can start with a credit simulation directly on the website, then we invite you to apply, also online, with the help of BT's chatbot Raul. You upload all the documents in the chat with him, then, whether you are a BT customer or not, you sign all the credit documentation online.

    There, that was it.

    Apply for credit



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    AI Search provides automatically generated answers, using GPT-4o technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
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    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT-4o technology to simplify the process of finding 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.

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