Credit with EIF guarantees

EIF guaranteed loans at a glance

We know that you are an entrepreneur with big plans, but we also know that you think twice before you make investments in your own business or in new businesses.

That's why the EIF Competitiveness and EIF Sustainability Programsgive you access to loans on advantageous terms.

Set up in partnership with the European Investment Fund, the two programs offer your business (registered and operating in Romania) easy-to-access loans in lei and euro for a period of 3-15 years with European guarantees of up to 70% of the amount.

I want credit

Good to know

You get much cheaper financing and benefit from European guarantees of 70% of the loan amount
You receive loans in lei or euro
The loan period is between 3 and 15 years
The programme has a very high addressability in terms of the areas in which SMEs operate

Minimum conditions for granting

To receive credit your company must not have:

More than 500 employees
Activity in areas restricted by this program(production and marketing of illegal products, arms and ammunition, casinos, gambling) or prohibited by national, European or international legislation in force
Ban on issuing bank cheques
Delinquencies on loans in the Credit Risk Centre
Outstanding budget debts
Active entries in the Insolvency Proceedings 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 proposed collateral, if applicable