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    Education credit at a glance

    Skills & Education is the only externally guaranteed programme for education businesses. To benefit from it, you must have a business that is registered and operating in Romania in the field of education: school, kindergarten, university or company that provides training to employees.

    In partnership with the European Investment Fund, we offer you up to 2 million euros or 9.7 million lei, which you can use for investment or working capital, regardless of the form of organisation.

    Good to know

    • 80% of the loan is guaranteed by the EIF which means zero guarantees for revolving credit lines or medium-term loans
    • credit facilities in RON and EUR - maximum 2 million euros or 9.7 million lei per client
    • BT additional guarantees: no material guarantees or maximum 30% of the credit, depending on the type of loan
    • the credit line can be granted for 24 months, with the possibility of extension up to 8 years from the signing of the contract

    The transactions guaranteed by this programme benefit from the guarantee of the European Investment Fund and the European Investment Bank.

    Minimum conditions for granting

    To receive credit your company must not have:

    • m Less than 500 employees
    • mActivity in areas restricted by this programme or prohibited by national, European or international law
    • mBudget debts
    • mBan on issuing bank cheques
    • mDelinquencies on loans in the Credit Risk Centre
    • mActive entries in the Insolvency Proceedings Bulletin

    What documents do 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 the proposed collateral, if the loan is secured by collateral
    I want credit

    How do you get the loan?

    Upload the company's paperwork and skip the first step.

    Leave us your details and we will contact you.

    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
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    AI Search provides automatically generated responses, using GPT4 technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT4 technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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