Loans granted from EIB (European Investment Bank) sources

Types of loans that are accessible:

  • Investment loans/Mortgage loans
  • Object loan for financing the current activity
  • Credit line
  • Multi-product/multi-currency financing facility which can contain object loans for financing the current activity and credit lines

Advantages

advantageous interest conditions

✔ flexible loan conditions - lengthy credit/grace periods, reimbursement in multiple negotiated installments or in a single installment

✔ variety of financing domains - investment projects developed by beneficiaries activating in the fields of industry, agriculture, tourism, services, trade and/or constructions

Features

finances  the current activity and investment projects

✔ credit period: minum 24 months

✔ eligible beneficiaries: autonomous and non-autonomous SMEs (< 250 employees), large enterprises (over 250 - max. 3000 employees) and municipalities/other public entities

✔ the maximum amount of the EIB loan

a) for SMEs and large enterprises implementing projects that are under 25 million EUR – the quantum of the EIB loan can be of up to 100% of the value of the credit granted by BCR - without exceeding 12.5 million EUR;

b) for large enterprises implementing projects that are over 25 million EUR and less than 50 million EUR in value – the quantum of the EIB loan can be of up to 50% of the total eligible value of the project - without exceeding 25 million EUR;

c) for municipalities and other public entities - implementing projects of at least 40,000 EUR and no more than 25 million EUR - the quantum of the EIB loan can be of up to 50% of the total eligible value of the project - without exceeding 12,5 million EUR.

✔ in the event that the project also benefits from EU funds/subsidies, EIB sources and other EU sources, they can cover up to 100% of the eligible costs of the project, depending on the category in which the credit beneficiary falls and the size of the project

✔ granted in RON or EURO

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