SME Invest PLUS

IMM Invest PLUS at a glance

IMM Invest Plus is a governmental working capital and investment loan programme for SMEs and large companies in Romania.

All 6 types of financing (IMM Invest Plus, Agro IMM, Garant Construct, IMM Prod, Inovation and Rural Invest) are guaranteed by the state, you just need to find out which one is right for your business.

You can find more details on: www.imminvest.ro

Benefits

You pay no interest for the first 12 months of the loan
Exceptions are the beneficiaries of the Agro SME Invest component in the field of primary agriculture, aquaculture and fish farming.
Zero risk and management fee
90% of the funding is provided by the State
You can get up to 5 million for current activity financing or up to 10 million for investment
If you access Agro IMM Invest for a business in the field of primary agriculture, aquaculture and fish farming, the maximum amount of funding is 5 million lei.
You can obtain financing for current activity for a maximum of 36 months or investments for a maximum of 72 months

Maximum amount of funding

15% of the average total annual turnover in the last three closed accounting periods OR
50% of energy expenditure (electricity and natural gas) in the 12 months preceding that in which the aid application is submitted
sizing funding according to your company's project (conf. OUG99/2022)

Steps to follow

1

Apply on the SME Invest website

You select the fund you want to issue your government guarantee and BT as your partner bank in the programme.

2

Fill in the data online

You fill in the identification data, sign electronically and attach the SME declaration.

3

You receive a registration number and a confirmation message

If the data is correct, the FNGCIMM/FGCR/FRC will issue the agreement in principle on the eligibility of your business.

4

We contact you

One of our colleagues will get in touch with you to work out the next steps together.

5

We check documents

If the documents are in order, we issue the decision on the transaction and send it to the FNGCIMM/FGCR/FRC for final analysis.

6

You get the final answer

As soon as we receive the FNGCIMM/FGCR/FRC decision on the granting of the guarantee we will send it to you.

What documents you need

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

How do you get the loan?

Send the paperwork to the company and skip the first step.

Send documents online

Leave us your details and we will contact you.

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