SME Invest Plus Credits

Credits to finance the working capital or the investments benefitting of state guarantees.

Characteristics:

• Financing of current activity and/or investments,
• Maximal amount:  up to RON 10 million,
• Currency: RON,
• Lending period: 36 months for current activity/72 months for investments.

Advantages:

– State guarantees up to 90% of the credit value;

– Subsidized interests for the first 12 months (except the beneficiaries of AGRO SME INVEST components from primary agriculture, aquaculture and fishery).

Components of SME INVEST PLUS program

The AGRO SME INVEST component  is dedicated to small and medium size enterprises and to small enterprises with capitalization on the average market, including the professionals in agriculture, fishery, aquaculture and food sector.

The SME PROD component aims at granting governmental guarantees requested to secure the liquidities and to finance investments by SMEs, including start-ups from urban area operating in production sectors.

The GARANT CONSTRUCT component aims at granting governmental guarantees to improve energy efficiency, to support investments in green energy and to achieve the alignment to the goals of implementation environment of:

1. SMEs and small enterprises capitalization on the average market of constructions, including start-ups, as well as architects and individual architecture offices,
2. Administrative-Territorial Units (municipalities, towns, communes).

The INNOVATION component aims at granting governmental guarantees for the Romanian innovative campaigns and/or which promote their products and services dedicated to export.

The RURAL INVEST component aims at granting state securing facilities, in a transparent and undiscriminating way for investment credits and the credits for working capital granted to farmers, small and medium size enterprises, as well as to large companies from agriculture, fishery, aquaculture and food sector.

– The commissions related to subsidized state guarantees for the whole credit period are.