FINANCING WITH EUROPEAN SUPPORT
BT's special programs are backed by international institutions, so you can invest with confidence.
GUARANTEES THAT PROTECT YOU
You have access to loans backed by the EIF or the IDB—some of which require no collateral.
Grow at the pace of your business
Whether you need working capital or investments, choose the right loan term and type.
YOU DECIDE WHERE THE FUNDS GO
You use your money where it matters: education, sustainability, development, or expansion.
Choose the RIGHT special program
Loans for education, strategic projects and development, or green projects, with over 50% of the financing guaranteed by partner institutions (EIF, IDB) and low costs. See which type of loan best fits your business plan.
Financial support for businesses in the education sector: schools, preschools, and training providers. Maximum of 2 million euros / 9.7 million lei per loan.
For SMEs in various fields. European guarantees of up to 70%.
Investments: up to 120 months. Lower down payment and much more affordable costs.
For SMEs in various fields. Project budget of up to 50 million EUR.
AWARD CONDITIONS
Not being banned from writing bank checks Don't be overdue in the Credit Register Having no active entries in the Insolvency Bulletin
RAPID HELP
The program is aimed at businesses operating in the field of education and companies that provide employee training and are registered in Romania.
Eligible applicants include:
- schools,
- kindergartens,
- universities
- companies that provide training for employees
They can access up to €2 million (or RON 9.7 million) for investments or working capital, with an EIF guarantee.
- 80% of the loan is guaranteed by the EIF, which means zero collateral for revolving credit lines or medium-term loans.
- Financing available in lei and euros, up to €2 million / RON 9.7 million per customer.
- Reduced additional BT guarantees: no collateral or maximum 30% of the loan, depending on the type of financing.
- 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 EIB program is aimed at a wide range of companies: micro-enterprises, SMEs, corporates, and LaCos. Financing can reach up to EUR 12.5 million for SMEs (according to the European definition) and up to EUR 25 million for MidCaps with fewer than 3,000 employees. Loans are available in both lei and euros.
- EIB loans benefit from an interest rate reduction of 0.25% per annum, making them more affordable.
- They are particularly suitable for investments, especially for the purchase of equipment, with maturities between 5 and 7 years.
- For working capital, financing is granted for 24 months.
- The program also includes funding for green destinations, such as renewable energy, electric vehicles, or investments that reduce energy consumption by at least 30%.
- BID-guaranteed loans are designed to facilitate access to financing for companies on very favorable terms. Benefits include:
- 70% guarantee of the loan amount, which significantly reduces the collateral required by the bank;
- low own contribution, which helps companies to start investments more easily;
- financing available only in lei, up to 14,000,000 lei;
- extended maturities: up to 120 months for investments and up to 48 months for working capital (non-repayable facilities).
To access the financing, among other conditions, the company must be eligible for de minimis aid, as the BID guarantee requires verification of the maximum threshold of EUR 300,000 over three consecutive years.
WHY PUT OFF WHAT YOU WANT?
BT's special programs are designed for entrepreneurs like you. You have access to loans with European guarantees, optimized costs, and flexible terms, regardless of your field of activity.
