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OTP Bank provides you with the investment loan, 

a product intended to finance investments and to complement your own resources, covering your entire investment activity or certain investment objectives (projects).


This loan is designed to finance up to 90% of the total investment cost, without VAT, but it can be as high as 100% if you access European funds from which you will later reimburse part of the initial loan granted by the bank. If you do not have the resources needed to finance the VAT on the investment, the bank can also give you a cash loan for this purpose.


OTP Bank Romania finances short, medium and long term investments, consistently with the amount and the purpose of the loan, the complexity of the investment, the needs of your business and your reimbursement resources and capacity.


The financing may be granted as a short or medium term bridge loan where the cash flow generated until the loan maturity is not enough to cover the bank debt service in full.


The bridge loan may be reimbursed from the following sources:


  • Refinancing the initial bridge loan through a project loan (investment loan for project development);
  • Revenues generated from the sales of assets financed by the bridge loan;
  • Resources from the shareholders/sponsors of the company that took out the bridge loan;
  • European Funds.