The IMM Invest PLUS program, together with all its components, allows SMEs (including start-up companies and enterprises with medium market capitalization) affected by the direct or indirect effects of Russia's aggression against Ukraine to ensure their liquidity for the current activity or investments, by accessing one or more loans, guaranteed by FNGCIMM/FGCR/FRC, by case, in the name and on behalf of the state, through the Ministry of Finance.
Loans guaranteed by the Ministry of Finance, in the IMM INVEST PLUS Program, together with all its components, through FNGCIMM/FGCR/FRC, by case, up to 90% of the loan amount;
Interest, risk fee and administration fee, subsidized by the Ministry of Finance, according to the provisions of the legislation;
Mitigating the created economic imbalances and ensuring the maintenance of economic activities.
What are the advantages of the IMM INVEST PLUS program, together with its components?
The maximum value of loans can be up to 10,000,000 lei for investments (with the exception of beneficiaries from the sector of primary agriculture, aquaculture and fish farming, for which the maximum amount of financing is 5,000,000 lei) and up to 5,000,000 lei for working capital. The maximum value of loans granted to beneficiaries in the sugar beet processing industry cannot exceed 10,000,000 lei for working capital;
You do not pay interest, risk commission and administration related to the guarantee issued by FNGCIMM/FGCR or other commissions for granting the loan. The interest is 100% subsidized for 12 months starting from the day the loan was granted (except the beneficiaries from AGRO SME INVEST component from the sector of primary agriculture, fishing and aquaculture which do not benefit from the subsidized interest), as stipulated in the Government Emergency Ordinance no. 99/2022, with subsequent amendments and in the specific legislation, and the risk commission and the administration commission are 100% subsidized during the entire duration of the loan;
You do not pay early repayment commission;
The financing period is up to 72 months for investment loans and up to 36 months for working capital loans, and for investment loans you can benefit from a grace period of up to 18 months.
How can I benefit from the IMM INVEST PLUS program, together with all its components?
Apply on the website www.imminvest.ro at imminvestplus section;
Choose your option for the relative component of the IMM Invest PLUS Program;
Choose your option either for FNGCIMM, FGCR of FRC;
Choose OTP Bank as a partner bank;
Fill in all the identification data online, sign and attach the SME declaration in .pdf format or, as the case may be, the declaration regarding the inclusion in the category of small enterprises with medium market capitalization;
If the eligibility conditions are met, you receive an agreement in principle from FNCGIMM/FGCR/FRC and a registration number;
Based on the FNGCIMM/FGCR/FRC decision, OTP Bank analyses the request and returns it to the final analysis to FNGCIMM/FGCR/FRC;
After the final answer received from FNGCIMM/FGCR/FRC regarding the granting / rejection of the guarantee, we will send you the final decision.
The beneficiary is eligible under the program, together with all its components, if at the date of granting the loan cumulatively meets the eligibility criteria provided in the Government Emergency Ordinance no. 99/2022, with subsequent amendments and completions, in the procedure for granting state guarantees and grants , as well as the eligibility criteria of the Bank.