up to 125,000 lei
You can get a loan from BT, repayable within 24 months, if you need funds before the project is completed.
ZERO fees
For the first 12 months, you’ll enjoy the “First Year Free” account package. That means you’ll have a full year with no fees.
Full control from the app
See everything that’s happening with your business, right from BT Go.
No trips to the bank
We'll set up your project account for you if you already have a BT account.
Good to know
Interest: ROBOR 6M + 2.5%, payable monthly from your own funds
Loan origination fee: 0.5% of the loan amount
Management fee: 0.05% per month
Guarantee provided by FNGCIMM or the assets financed by the loan and/or other guarantees
Online account directly from the app
If you’re not yet a BT customer, the first step is to open a checking account with us. Open an account 100% online directly through BT Go.
All cards at your fingertips
Send, block, change trading limits, all directly from the app.
Instant transfers
Payments to partners or state budget? All just a click away.
Bank statements
You have a dedicated section just for that, so you can have the best possible relationship with your accountant.
Lei or "
" currency?
Open new accounts, save money and make simple or negotiated currency exchanges in any currency.
You're safe
You have full control over your accounts for any unforeseen situations that may arise.
RAPID HELP
The project account is opened at BT, and the procedure is very simple:
- If you already have a checking account with BT, the bank will automatically open a dedicated Start-Up Nation project account for you.
- If you don't have a checking account with BT, you can:
- open online, from BT Go, or
- at a BT branch, and the bank will then open your project account for you.
Please note that all payments related to the project will be made exclusively from this account.
No. The bank can finance up to 50% of the grant amount in the form of a bridge loan. You will receive the remaining 50% of the grant as an advance, directly into the project account.
You are also required to provide your own contribution toward eligible expenses (where applicable) and to cover any ineligible expenses from your own funds, also through the project account.
For bridge loans, collateral may consist of assets acquired as part of the project or a guarantee provided by FNGCIMM (the National Guarantee Fund), in accordance with the applicable terms and conditions.
The non-repayable financial aid is disbursed in two installments by the SME Agency with which you signed the funding agreement:
- The first installment is transferred after the AFN Grant Agreement is signed. We will notify you via text message as soon as the funds are transferred.
- The second installment is paid following the expenditure verification visit and final approval of the expense report.
everything you need to get started
You can find more details about the benefits and eligibility criteria in the dedicated guide.
