IMM Invest Romania

IMM Invest Romania

The SME Invest Romania program allows SMEs affected by the COVID-19 crisis to ensure their liquidity for the current activity or investments, by accessing one or more loans, guaranteed by FNGCIMM in the name and on behalf of the state, through the Ministry of Public Finance.

Loans guaranteed by the Ministry of Finance through FNGCIMM up to 90% of the loan amount

Interest, risk fee and administration fee, subsidized by the Ministry of Public Finance

Restarting the economy as a result of the situation generated by COVID 19

What are the advantages of the SME Invest Romania program?

  • The maximum value of loans can be up to 10,000,000 lei for investments and up to 5,000,000 lei for working capital;

  • You do not pay interest, risk commission and administration related to the guarantee issued by FNGCIMM or other commissions for granting the loan. The interest is 100% subsidized until 31.12.2020, with the possibility of extension in certain economic situations stipulated in the law and in the state aid scheme 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, and for investment loans you can benefit from a grace period of up to 18 months.

Access the SME Invest Romania program

Apply here to benefit from ZERO Interest Loans

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What is the value of the loans granted?

  • Micro-enterprises: financing of maximum 500,000 lei for working capital, guaranteed by the state in a maximum percentage of 90%, respectively financing of up to 10,000,000 lei for investments, guaranteed by the state in a percentage of maximum 80%;

  • Small enterprises: financing of maximum 1 million lei for working capital, guaranteed by the state in a maximum of 90%, respectively financing of up to 10,000,000 lei for investments, guaranteed by the state in a percentage of maximum 80%;

  • Medium-sized enterprises: the maximum value of loans for working capital cannot exceed the amount of 5 million lei, and of those for investments cannot exceed the amount of 10 million lei, guaranteed by the state in a maximum percentage of 80%.

How can I benefit from the SME Invest program?

  • Apply on the website www.imminvest.ro;

  • Choose OTP Bank as a partner bank;

  • Fill in all the identification data online, sign and attach the SME declaration in .pdf format;

  • If the eligibility conditions are met, you receive an agreement in principle from FNCGIMM and a registration number;

  • Based on the FNGCIMM decision, OTP Bank analyses the request and returns it to the final analysis to FNGCIMM;

  • After the final answer received from FNGCIMM regarding the granting / rejection of the guarantee, we will send you the final decision;

  • Can be applied only once.

Eligibility criteria:

The beneficiary is eligible under the program if at the date of granting the loan it cumulatively meets the eligibility criteria provided in art. 3 of the Government Emergency Ordinance no. 110/2017, with subsequent amendments and completions and art. 4 of the State aid scheme to support the activity of SMEs in the context of the economic crisis generated by the pandemic COVID - 19, as well as the eligibility criteria of the Bank.

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