Green loans

Loans for investing in photovoltaic panels

We support businesses that want to develop sustainably, producing green energy from renewable resources, both for self-consumption and for supporting Romania's economy.

You invest in photovoltaic panels and not only reduce your electricity costs for your company, but you also help the environment.
Win-win.

I Want Credit

What benefits do you have

Reduce your impact on the environment using clean energy, which relies on the sun's renewable resource
Co.ntrolezi cost energithey consumed, becoming the prosumer
The life span of current technology up to 25 years allows you to earn money, the investment pays off in 4-7 years

Advantages

Loan for financing the photovoltaic system up to 90%
Credit in RON or foreign currency
You can refinance investments completed from the loan or own sources up to 12 months in advance
Installed photovoltaic system guarantee, other guarantees provided by guarantee funds or European institutions (EIF, EIB) or available programmes (SME Invest, COSME, etc.)
We co-finance PNRR projects or projects related to other European Union programmes
We offer you advice during the investment
Grace period: up to 12 months for photovoltaic parks

What documents do you need?

The offer of a company that will install the system + the solution study for the location and consumption of the prosumer together with the PVGIS analysis
Last 2 completed annual financial statements together with related balance sheets and receipts

Good to know

Prosumers are natural or legal persons who, according to the Energy Law 123, produce electricity from renewable sources for their own consumption and whose specific activity is not the production of electricity.
Electricity suppliers are required to purchase the energy delivered by them either through compensation or financial settlement.

What you can take credit for

Electricity suppliers are required to purchase the energy produced and delivered to the grid from:

prosumers who own power plants with an installed capacity of not more than 200kW per consumption place at a price identical to the price of active electricity used by the supplier.
prosumers who own power plants with an installed power of over 200kW or a maximum of 400 kW per consumption place at the weighted average price recorded in the Day-Ahead Market dam for the month in which it was produced

Advantages

Loan for financing the installation (with or without batteries for storage)
Duration: 24 months - 10 years
Currency of the loan: Lei or Euro (for companies that have external contracts)
Guarantees: collateralisation of the installed and secured system, other guarantees provided by guarantee funds or European institutions (EIF, EIB) or available programmes (SME Invest, COSME, others)
We co-finance PNRR or other European Union programmes

Conditions for granting:

The offer of a company that will install the system + the solution study for the location and consumption of the prosumer together with the PVGIS analysis
Loan amount: maximum 90% of the investment
Customer contribution: minimum 10%
Invoices for services or equipment
The last 2 financial statements concluded together with the related balances and receipts

What we recommend:

Conclusion of a contract with a company that installs and provides expert advice for connection to the electricity network

What you can take credit for:

We offer a loan for the total financing of eligible expenses
Duration - up to 18 months
No other guarantees
You can refinance investments already completed for a loan or own sources

What documents you need:

Contract with the Ministry of Energy
Data sheet related to the submitted application
Invoices for services or equipment
The last 2 financial statements concluded together with the related balance sheets and receipts

Through the PNRR - Photovoltacic Parks program you can get funding for the installation of a photovoltaic panel system with a capacity of at least 0.2 MWp

You can use the money to purchase facilities or equipment, to build new energy production capacities from renewable energy sources (wind and solar), with or without storage.

What you can take credit for:

A bridge loan for non-reimbursable financing from the European Union
A long-term investment loan to finance the facility (with or without batteries for storage)
A credit for VAT

Advantages:

Duration - 10 years
Grace period - maximum 12 months
Currency credit: Lei
The guarantee is the installed and insured system, mortgaged on the land on which it is placed, other guarantees offered by guarantee funds or European institutions
Letter of Comfort and co-financing to the PNRR Program
We advise you on the route of your investment

What documents you need:

The offer of a company that will build the park + the feasibility study together with the PVGIS/PVsyst analysis
The building permit and the proof of the steps to obtain the ATR
Invoices for services or equipment
The last 2 financial statements concluded together with the related balance sheets and receipts

What we recommend:

To conclude the contract with an experienced contractor
Legal Due Diligence for the Land
Technical Due Diligence for The Solution Study
If you have decided to place the park on an infield, check with the local Office for Pedological and Agrochemical Studies whether your land can be used for this investment
Conduct a study of the resistance structure if you plan to place the panels on the buildings where you operate.