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    Money for working capital or investments

    Do you need cash fast to pay suppliers, salaries or even small investments for your company? We have two pieces of good news. The first is that you can get it sorted with a quick loan. The other good news is that you don't have to justify where the money goes.  

    We can offer you two types of credit:

    • m Working capital for daily activity (supplier payments, salaries or debts to the state budget)
    • m Small investments (purchase of machinery, renovation of the premises, etc.)

    There are two types of credit:

    Loan with material guarantees

    Value
    Maximum 4.000.000 Lei
    Coin
    Read
    Duration of the loan
    120 months
    Guarantees
    Yes

    Loan without material guarantees

    Value
    Maximum 2.000.000 Lei
    Coin
    Read
    Duration of the loan
    60 months
    Guarantees
    Not
    I want credit

    Good to know

    • You can use the money at any time (within the approved amount)
    • You can make current expenses or even small investments, such as: renovating your production space, purchasing a machine or a means of transport
    • You can use the money to pay salaries, suppliers or taxes to the state
    • It's OK to use the money to refinance loans taken out with other banks

    Minimum conditions for granting

    Your company must:

    • mIt is not forbidden to issue bank checks
    • mThere are no delays in loans in the Credit Risk Central
    • mDo not have active entries in the Insolvency Bulletin

    What documents you need

    • Last two annual balance sheets together with related balance sheets and receipts
    • Last completed quarterly trial balance
    • Tax attestation certificate
    • Legal-constitutive approval regarding the contracting of the loan
    • Documents for the proposed collateral, if the loan is secured by collateral

    Here's an example:

    You are in a situation where you need money to purchase a machine that helps you optimize your workflow and increase productivity, but you also need money to purchase raw materials.

    The medium-term loan allows you to cover both lending needs, both the need for investment and the need for working capital.

    I want credit

    How do you get the loan?

    Leave your details and we will contact you.

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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. .
    Terms and conditions

    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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