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Credits solutions

Multi-currency, multi-borrower, multi-use loan

Choose this lending product that gives you a flexible financing structure, tailored to your needs. Thus, you cover a wide spectrum of financial and treasury needs related to operational and investment activity. Would you like to learn more about your benefits?
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Non-cash account limit for Letters of Guarantee/ Counter-Guarantee, Credit, Cheque endorsement

The non-cash account limit is a product with repeated uses (revolving), which OTP Bank offers you if you carry out a current activity which involves the frequent issuance of guarantee instruments in favor of business partners (issuing letters of guarantee, opening of credits, certification of checks).
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Cash account limit on cheques, tickets to order, and invoices

The cash account limit is a product that helps you cover your temporary cash shortfall by quickly converting your receivables into cash. The source of reimbursement is represented by payment instruments (checks and / or banknotes), respectively invoices transferred to OTP Bank Romania.
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Credit line

The credit line is a product that addresses any area of activity and is granted for financing working capital needs, ensuring the continuity of your activity. Provide your sources of income to cover unexpected payments and respond promptly to the pace of sales growth.
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Overdraft for companies

Overdraft is a short-term credit facility, selectively granted by OTP Bank Romania, based on which you can access amounts of money within a certain approved limit. It is a revolving type facility that helps you cover your liquidity shortfall and general financing needs.
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General All-purpose loan

Because businesses cannot stagnate, we invite you to discover the benefits of credit for general needs. In this way, you will be able to support the current activity of the company or the investments you have planned. Learn more about this product!
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Short-term cash loan

Get long-term benefits with a short-term cash loan! This lending facility is intended to pay current stringent obligations, to finance stocks or to refinance working capital credit facilities from other banking institutions.
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Medium-term cash loan

This lending facility helps you manage your financial resources efficiently. Success is now easier to achieve! The amounts can be used both for current activity and for refinancing other ongoing projects. Discover more details.
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Investment loan

OTP Bank offers you a product for financing investment activities, which comes in addition to your own resources, for the entire investment activity or for certain objectives (projects) that you have in the plan. The credit can be obtained fast and easy, and the benefits are long-term.
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Project financing

Here, at OTP Bank, the initiatives are appreciated and rewarded. Regardless the field in which you want to develop, from agriculture, energy from renewable sources and co-financing with European funds, we propose flexible structures adapted to the needs of your project. Benefit from the significant experience of the OTP group in the field of project financing.
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Agriculture, European Funds, and Partnerships


OTP Agro

OTP Agro – Useful information from the agricultural industry: products and banking services, installments calculator, European funds, leasing. Find out more on the OTP Agro platform, created for entrepreuners in the agricultural area.
Launch OTP Agro

Loan for agricultural lands acquisition

Successfully develop the company in the field of vegetable production. In order to carry out your plans, under optimal conditions, we provide you the credit for purchasing agricultural land. It can function as a cash limit for investment loans that offers the possibility of purchasing more lots of land in time.
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Loans for projects funded from European funds

We support businesses with initiative! Because any successful project financed from European funds needs some form of initial financing, at OTP Bank, we provide you with pre-financing bridge type loans, respectively investment loans for financing eligible and non-eligible expenses.
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Loan for VAT financing

The full payment of the VAT related to the desired investments can now be paid easier! With the help of VAT financing, you enjoy the advantages of a flexible product that can be granted both for projects implemented with European funds and for projects implemented from own resources.
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Comfort letter

To access European funds you must demonstrate the co-financing capacity of the project you want to develop. Therefore, OTP Bank helps you by issuing a letter of comfort attesting to the potential of co-financing for both eligible and non-eligible expenses.
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Letter of guarantee

Enjoy the financing for your project! OTP Bank assists you by issuing letters of guarantee in order to demonstrate your ability to repay the pre-financing / advance. Whatever you plan, you can get up to 110% of the total pre-financing / advance received from the contracting authority.
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Financing Partnership with FNGCIMM, FGCR, EximBank

As a solution to the financial needs of the company, we have signed partnership agreements with FNGCIMM (National Credit Guarantee Fund for SMEs), Export-Import Bank of Romania - EximBank and FGCR (Rural Loan Guarantee Fund). Our partners come to your support with a fast, complete, and professional response.
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