This page is automatically translated from Romanian into English.

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    IMM PLUS at a glance

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

    All types of funding (components of the state aid scheme: SME Romania Plus, Agro PLUS, SME Prod Plus, Construct Plus, Innovation Plus and Rural Plus) are guaranteed by the state, you just need to find out which one is right for your business.

    Benefits

    • mYou pay no interest for the first 12 months of the loan

      An exception is made for beneficiaries of the Agro PLUS component in primary agriculture, aquaculture and fish farming.

    • mZero risk and management fee
    • m90% of the funding is guaranteed by the State
    • mYou can obtain financing for current activity for a maximum of 36 months or investments for a maximum of 72 months 

    Maximum amount of funding

    • You can get up to 5 million for financing current activity or a maximum of 10 million for investment.
      If you access Agro PLUS for a business in primary agriculture, aquaculture and fish farming, the maximum amount of funding is 5 million lei.

    Steps to follow on the IMM website

    01

    Apply on the website IMM Invest


    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
    • 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.

    Leave us your details and we will contact you.