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Financing for small business – BT Mic
About
We know how important it is to have your money exactly when you need it. So, if you have a small business with economic activity for at least 3 months, you can rely on BT Mic for a loan of up to 200,000 lei.

What are your advantages?
- m You don't need an advance
- m We ask you for few documents for analysis
- m You can receive the money in 3-4 days
- m You return the money even in 7 years
What can you take credit for?
- m Merchandise and other expenses of your business
- m Payment of suppliers or other debts
- m New or used machinery, equipment, machinery
- m Investing in current work points or opening new ones
- m Something else, what would help you get over the crisis period
We also have some customized solutions
Maybe they suit you better, depending on your field of activity:

For small businesses in the Agri sector
If you have an activity in the agricultural field, you can access a maximum of 200,000 lei without material guarantees and up to 400,000 lei with real estate guarantees.
f
For small businesses in Education
You can borrow up to 200,000 lei in 3-4 working days, if you have a private school or kindergarten. In addition, you benefit from a European guarantee, so you do not have to provide material guarantees.
f
With the European guarantee
You can get a loan of up to 200,000 lei without material guarantees, in 3-4 working days, with a European guarantee for 70% of the loan value.
fHow do you apply?
You can do a credit simulation directly on the site, and then apply, also online, by chatbot.
Upload all the documents in the chat with BT's Raul chatbot. Whether or not you're a BT customer, you sign online and all your credit documentation.