Credits
Credit for working capital
Characteristics:
- amount: up to 100% of the funding required, set up depending on the forecasted flow of collections and payments for the lending period,
- currency: RON, EUR or USD,
- lending period: 12 months (maximum 24 months for activities justifying such period),
- flexible mix of guaranteed.
Advantages:
- possibility to complete its own guarantees up to 80% by state guarantees from EximBank,
- use/reimbursements without pre-set fixed dates depending on the needs/availabilities,
- interest and commissions can be withdrawn from the credit,
- revolving or with repayment by instalments.
Credit for investments
It can be used to finance expenses related to business expansion projects, such as purchase of equipment, building production spaces, etc.
Characteristics
- currency: RON, EUR or USD,
- granting period: short, medium or long term,
- period of grace: up to 12 months,
- reimbursement in monthly, quarterly instalments or depending on the execution stage of the investment project,
- own contribution of the commercial company to the investments project: minimum 15% of the total cost of the project.
Advantages
- low costs,
- flexible guarantees,
- possibility to complete the guarantees structure by state guarantees issued by EximBank up to 80%.