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    We have made a firm commitment to Romanians and local entrepreneurs in supporting their dreams, BT being the partner with whom they can start their journey.
    ӦMER Tetik CEO Banca Transilvania
    ӦMER Tetik - CEO Banca Transilvania
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    Loans with EIB guarantees

    Loans with EIB guarantees Good to know Green destinations Minimum award conditions Documents required How do you get the credit?

    EIB loan in brief

    We know you're an entrepreneur with big plans, but we also know you think twice before investing in your own business.

    Through the European Investment Bank (EIB) program, you can accessfavorable loans that best suit your company's needs. 

    I want credit

    Good to know

    • The program is addressed to Micro, SME, Corporate and LaCo companies
    • EIB3 loans benefit from an interest rate reduction of 0.25% per year
    • Finantarile sunt atat in lei cat si in euro, pana la 12.5 mln EUR/tranzactie pentru IMM-uri (definitia europeana) si 25 mln EUR/tranzactie pentru companiile MidCaps (< 3000 de angajati)
    • The most popular are investment loans, especially for equipment purchases with maturities between 5 and 7 years
    • Working capital loans are for a period of 24 months

    Green destinations

    • Energy production from renewable photovoltaic or wind with or without storage
    • Electric/hydrogen cars, buses and vans
    • Investments in decreasing energy consumption by at least 30% (renovating old buildings, changing tractors/combinines).

    Minimum conditions for granting

    • The group of companies to which the applicant belongs must not exceed 3000 employees 
    • The value of an investment project does not exceed EUR 50 million
    • Not active in areas restricted by this program and/or prohibited by national, European or international legislation in force


    They are not eligible for the EIB program:

    • Financing projects with other forms of support (grants, subsidies, guarantees, etc.) or transactions from other EIF/EIB/IMM+ programs
    • Purchase of land (regardless of category) or acquisition of shares
    • Refinancing loans, own contribution or projects already physically realized

    What documents you need

    • Financial situation and last quarterly trial balance closed
    • Tax attestation certificate
    • Legal-constitutive approval regarding the contracting of the loan
    • Documents for proposed collateral, if applicable

    How do you get the loan?

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

    Leave your details and we will contact you.