For OTP Bank clients

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Are you a beneficiary of Measure 14 or 14T? 

Apply for the state subsidy pre-financing loan until the relevant subsidies are received from APIA (Agricultural Payments and Interventions Agency). 

What advantages does the loan for pre-financing APIA subsidies granted to beneficiaries of Measure 14 and 14T offer you?

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It finances up to 90% of the subsidy value to be received, for your current activity. Thus, you are given the possibility of paying any debts to the state budget and the other budgets

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The granting fee may be paid from the loan;

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We accept guarantees issued by Guarantee Funds (FNGCIMM (National Loan Guarantee Fund for Small and Medium-sized Enterprises) or FGCR (Rural Loan Guarantee Fund);

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We provide counselling for the preparation of the documents necessary to access the loan and a quick response.

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The loan is reimbursed in full on receipt of due amounts, but not later than the date set by APIA for the payment of such subsidies, according to the agreements concluded with OTP Bank.

What are the guarantees requested by OTP Bank for the APIA subsidy pre-financing loan?

  • Mortgage on the amounts to be received from APIA;
  • Mortgage on the current accounts opened at OTP Bank;
  • Surety contract signed by the entrepreneur/representative of the individual enterprise/family-owned business;
  • Guarantees issued by Guarantee Funds (FNGCIMM, FGCR).



OTP Bank may request other collateral and/or guarantees, as the case may be.

What happens if you are not an OTP Bank client?

We give you the opportunity to receive financing even if you have not worked with our bank before. You can contact an OTP Bank consultant with any of our units or you can e-mail us at the address: agricultura@otpbank.ro.


Here at OTP Bank we give you complete solutions for your business. 

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